davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (GA)

Dear Consumer Financial Protection Bureau, I am writing to dispute the erroneous information being reported by my creditors. The errors on my credit reports have had a significant negative impact on my life. Specifically, I believe that several violations have occurred, including those under the Fair Credit Reporting Act ( FCRA ). 

First, I would like to bring to your attention the fact that XXXX and Equifax are listing account number XXXXXXXX XXXX as a mortgage account instead of a real estate account. This is a clear violation of the FCRA. 

Additionally, I have noticed that Equifax and XXXX are not reporting the monthly payment as {$0.00}, as reported by XXXX. Furthermore, XXXX is not reporting the balance of {$0.00}, as reported by XXXX and Equifax. This is another violation of the FCRA. 

Moreover, XXXX or Equifax is reporting that sowing is due every month, but actual seeding is unreported. XXXX has set a credit ceiling of {$0.00}, but XXXX and Equifax have made no reports, which is yet another violation of the FCRA. 

Furthermore, XXXX is reporting that the account was 120 days past due, but XXXX is reporting that it was Account moved to another location or reported to Equifax at least four installments or 120 days past due. This discrepancy is a violation of the FCRA. 

In addition, Equifax and XXXX are not receiving reports of remarks that were transferred to XXXX or another lender, which is another violation of the FCRA. The misuse of e-OCAR and the wrong Metro2 format are also violations of the FCRA. 

Lastly, between XX/XX/2022, and XX/XX/2022, a remark code for a charged-off account was added to the account. This is a violation of the FCRA. 

These violations have had a significant impact on my life. I have been denied credit because of these inaccurate reports, and my ability to secure housing and employment has been hindered. It has caused me a great deal of emotional distress and has affected my quality of life. 

I respectfully request that you enforce the legal rights that I am entitled to under the FCRA and have the creditors remove these unverified collection accounts from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-25
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. (SC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$770.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-25
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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. (TX)

This is my several request to the XXXX Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the XXXX credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; 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 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-13
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. (DC)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, 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 2023-07-13
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I had XXXX hospital bills that were on my credit report for {$11.00} & {$15.00} and I should have never even been billed for these charges but it was easier to pay them then to dispute them. The charges were paid and all of the credit reporting agencies except Equifax had removed the negative credit after the charges were paid. Equifax 's system of reporting something does n't work and they want you to purchase their credit protection services so you can get items corrected on your report. I want my credit report updated properly and if Equifax can do what they want, to try and coerce people into purchasing their products, then they should n't be involved in the credit reporting business. What they are doing should be illegal and probably is. I would like to have my credit report removed from Equifax 's services. I should n't have to use a corrupt credit reporting agency.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

The item with XXXX XXXX XXXX is being investigated. The account was opened in XX/XX/XXXX and should be removed in the year of XX/XX/XXXX. It has been XXXX years that this account has been reported.
Consumer complaint received 2015-05-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Zenith Financial Network Inc (KS)

I get several calls from this company who have some not all of my personal identification information. They claim I owe this debt and demand payment. When I ask for mailing address and/or validation, the reps offer an email. I state that I would like validation mailed, the XXXX lady said, no we will email that to you, how are you going to pay this in the meantime. I stated that she was violating the law and I was reporting the call, she laughed, and said, we do n't have to comply with the law, good luck with that.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian is reporting false information on my credit report. Two accounts do NOT belong to me, and these accounts are hurting my credit and my ability to obtain potential employment. I believe these XXXX negative accounts were removed in the past, but sold to another third party collection agency in hopes to collect on a debt that does not belong to me.
Consumer complaint received 2023-07-13
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. (NJ)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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 2016-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

I have filed several complaints with XXXX, XXXX & Experian in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of 2016. and they refuse to fix the problem.
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

Submitted a Texas Debt Validation request under the Tx Finance Code. National Credit Systems responded with an incomplete validation that did not cover all items requested or required by the Texas Finance Code. They responded that they are not required to send the information requested. 

National Credit Systems Response - " The consumer has requested information that is not relevant to the validation of his debt. We have mailed the legal and valid copies of charges to validate this debt, as required by the FDCPA. Please have the consumer review the charges and contact our office. Thank you, National Credit Systems , Inc . '' I did not file a direct dispute under the FCRA. It was requested under The Texas Finance Code Chapter 392 which by law requires the below information. 
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 XXXX a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
Consumer complaint received 2016-10-17
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXXXXXX XXXX Dear Sir or Madam, RE : Unauthorized credit inquiry While checking my personal credit report, which I acquired from the XXXX credit reporting agencies, I noticed inquiries made by Springleaf Fin Srvcs, XXXX XXXX, XXXX GA XXXX Phone : XXXX Since I have not, authorized anyone employed by your organization to make an inquiry personally or via the internet, you are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 
I 've a credit fraud alert attached to my file and have not been notified of such an inquiry. 
If this was an attempt to obtain services or credit, it was fraudulent. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I have numerous errors showing on my credit report. After reviewing it I sent Equifax a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that equifax has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (TX)

Hi, I lived in a shared apartment with random roommates 2 years back when I was in college. The apartment complex is called XXXX. They are known for malicious practices such as charging residents fees without explanation after move out. I had a fee of {$190.00} which was unrelated to me. I tried contacting the apartment without avail. I received calls from a debt collector 2 years after I moved out. The collector is National Credit Systems and I unsuccessfully tried to dispute the debt. I also called again willing to pay off the debt if I could get something in writing that they will remove the collection from my credit. I was disregarded and hung up on by the debt collector. I 'm not sure what I can do and I need help. 

This malicious activity is a constant practice by these apartments and debt collectors and they really hurt recent grads like me who are trying to start our career. I was n't given any answers and took a hit on my credit because of these practices. This is something that really needs to investigated because I 'm not only one dealing with this.
Consumer complaint received 2015-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (CA)

My complaint is against RCS Residential Credit Solutions , Inc, My loan was transferred to them few years ago, it has been a big headache until today. I loss my XXXX in XX/XX/XXXX I ask them to please help me to get a loan modification but they did n't help me, all my financial problems leading me to file a Bankruptcy Chapter XXXX, trying to re organize my debts making XXXX payment along with my mortgage payment. I have submitted a loan modification package on XX/XX/XXXX, I have called every week to the bank asking for my loan status and they just tell me is denied but I have nothing received in writing everything is verbal. Since my BK Chapter XXXX payment is {$1600.00}, my expenses are {$710.00} and my house payment is {$2900.00}. I am desperately looking for help, they can not answer my request for loan modification but they were really faster removing my house from the BK with a motion. They can not give me a trial payment but they send me an appraisal opinion to determine how much my house can be sold. I have lived here for over 24 years. I am not sure if they are going to provide me any solution this time, but I 'm pretty sure that I am not the only XXXX reporting the abuse of this institution to the borrowers. I have submitted my package again ( enclosed please find a copy ) waiting for a help, understanding and cooperation.
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: URS Holding, LLC (WA)

I was contacted this morning, at XXXX on XX/XX/XXXX, 2015 by the number XXXX. The caller claimed I owed a debt to XXXX XXXX University. They confirmed the last 4 digits of my Social Security and my birth date. They declared an address they would be sending information to in Colorado, but I am not a Colorado resident. 

I did not accept any attempt to pay the debt, since I do not currently know what the debt is for. My understanding is that this debt is in error. 

Further, it is my understanding that the caller may have performed an illegal call at XXXX, since this is before XXXX.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP (MN)

I took a cash advance on my credit card on XXXX/XXXX/16. I made a payment on XXXX/XXXX/16 to cover the minimum payment plus the cash advance amount and a little extra to cover the interest. My credit card company applied the full payment to the purchases balance at the lower interest rate. I called them on XXXX/XXXX/16 and the person said that since the cash advance was n't " billed '' yet on a statement, that they did not have to apply the payment to the higher interest rate. My " cut off '' date is around the XXXX of the month. I asked what I needed to do to get that fixed and I was told he could n't do anything for me.
Consumer complaint received 2016-12-28
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: OCEANSIDE MORTGAGE COMPANY (FL)

Received an unsolicited marketing letter from Oceanside Mortgage Company to help me refinance my mortgage. While I am normally am fine with marketing materials, this was a deceptive letter. It came in an unmarked, windowed, envelope, with the words " final notice - Immediate action required '' with a file number. This is an obvious attempt to make it look like it is from a collection agency and a deceptive practice to try and obtain business. 

As a smart consumer, I am well aware that this is a heavy handed marketing ploy. However, some consumers may not be as observant or aware that this is a deceptive letter. I believe this is targeted at these people.
Consumer complaint received 2023-07-13
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. (NM)

On XX/XX/XXXX the collection company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX send me to collection for a bill of {$970.00} from XXXX XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies last year and all of them removed this from my credit file back in XX/XX/XXXX. But this keep showing up on my XXXX and Transunion credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that XXXX credit bureau and Transunion credit bureau removed this from my credit report. If not I am going to start a legal action. Thank you.