davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX Equifax has purposefully reporting incorrect information to my consumer report. This has significantly impacted my consumer report in a negative light preventing me from receiving credit, loans, cars, & homes. 
Ive also asked both XXXX XXXX XXXX Equifax to remove my personal addresses & information from this consumer report multiple times, however, they have blatantly ignored my instructions. 

XXXX XXXX XXXX Equifax have violated 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 1681 Section 602 States I have the right to privacy, & Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

Each of these violations carry the risk of {$1000.00} each or more. 

I am instructing XXXX XXXX XXXX Equifax to correct the errors to my consumer report expeditiously, & to pay the fine per violation.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, 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. (AL)

Subject : Request to Update Employment History and Address Information on Credit Report Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to request the correction of employment history and address information on my credit report. I recently obtained a copy of my credit report and noticed some inaccuracies that need to be rectified. 

I would like to bring to your attention that the following address and employment entry are incorrect and should be removed from my credit report : Incorrect Employment Entry : XXXX XXXX XXXX, XXXX, AL Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX My correct employment history is as follows : XXXX, XXXX, AL XXXX XXXX, XXXX, AL XXXX, XXXX, AL XXXX XXXX, XXXX, AL Additionally, I would like to update my current address to the following : XXXX XXXX XXXX XXXX, AL XXXX Therefore, I kindly request that you make the necessary updates to my credit report by removing the incorrect employment entry ( XXXX XXXX XXXX ) and address ( XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and replacing it with the accurate information provided above. 

Maintaining the accuracy of my personal details and employment history is crucial to ensure the integrity of my credit profile. I trust that you will process this request promptly to avoid any further discrepancies in my credit report. 

If required, you may reach me at XXXX or XXXX for any additional information or verification. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the updates made to my credit report. 

Sincerely,
Consumer complaint received 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Credence Resource Management , LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$99.00} for only {$59.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$39.00}. You can also pay in parts. Call @ XXXX or XXXX : hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reply STOP to stop Credence Resource Management , LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$99.00} for only {$34.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$64.00}. You can also pay in parts. Call @ XXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to stop Credence Resource Management , LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$99.00} for only {$59.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$39.00}. You can also pay in parts. Call @ XXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to stop
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-23
Product: Credit reporting 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)

I received a copy of my consumer report on XX/XX/year> and there is some incomplete and non accurate information reporting to my report! According to he FCRA when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! These accounts ( XXXX ), ( XXXX ), ( XXXX  XXXX ), ( XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), Are incomplete and REPORTING inaccurate!
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

On XX/XX/23 we wrote a check for {$100.00} to XXXX University XXXX. It was washed and turned into a check for XXXX XXXX for {$2600.00}. The signature on the new check was obviously forged. This transaction appeared on our XX/XX/23 statement which I do not remember receiving. XXXX and XXXX were hectic for us as we were dealing with family health problems. When we looked at our XXXX statement on XX/XX/XXXX we immediately contacted US Bank. We also made a police report. We waited to receive the fraud paperwork requested by US Bank. We filled out all the paperwork, affadavit, duplicate of the original check and on XX/XX/23 we sent it to the US Bank XXXX department. Our local US Bank, XXXX Il XXXX, office faxed it for us. We received a letter dated XX/XX/23 from the XXXX department stating that they needed further information. We did send everything needed on XX/XX/23, so we just resent everything. On XX/XX/23 we received a letter dated XX/XX/23 informing us that our claim # XXXX had been denied for the reason- CUSTOMER DUTY TO EXAMINE STATEMENT -30DAYS. They claim it is FDIC rules, Uniform Commercial Code 4-406. On the letter they write ' The Universal Code 4-406 states that a customer has a responsibility to report any items that have been forged or altered to the bank within a reasonable time not to exceed 30 calendar days. ' I do not feel our notification to US Bank was grossly negligent. Where is the responsibility of the banks involved to verify the identity of the person cashing this fraudulent check or the bank cashing a check with a signature that was obviously not my husband 's. If this 30 day rule is steadfast why were we not told as soon as we put in a claim for something over 30 days? We responded to the denial by going to the bank where we told to call the fraud department. The fraud department was firm on their denial. Please let us know how to appeal this decision. All documentation is available upon request. 
-affadavit of unauthorized paper XXXX XXXX copy of original check -copy of forged check -police report receipt -correspondence letters with US Bank
Consumer complaint received 2023-06-20
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. (GA)

This is my first 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 XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX a XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG  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 EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (CA)

Hello, On XX/XX/2023, I filed a dispute against XXXX XXXX for {$28.00} ( out of total charge of {$860.00} for the transaction ) with my Citibank XXXX XXXX XXXX XXXX due to the dispute unexpectedly, in middle of our trip, decided to cancel our hotel reservation ( {$860.00} ) on XX/XX/XXXX. 

I immediately called Citibank to inform them and asked them to increase the disputed amount to full {$860.00}. Since, then I have received a letter dated XX/XX/XXXX from Citibank stating dispute amount can not be increased once dispute has started. Further, Citibank is not allowing to create another dispute for the remaining amount for that transaction. 

I have called Citibank few times but they say it is as per the rules set by XXXX. I have pointed to your agent 's statement and Fair Credit Billing Act but Citibank is not budging. In meantime it has been more than 4 weeks and XXXX has not refunded the {$860.00} money, and XXXX agents refuse talk while dispute is on. 

I have lost my money and have not received any services from XXXX. Could CFPB please help with resolving this? 

Warm regards, XXXX XXXX Companies involved XXXX ) Citibank XXXX ) XXXX  XXXX ) XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : 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 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (NC)

I spoke with a representative at Focus Receivables Managment on XXXX XXXX, 2016 and Focus Receivables Managment confirmed they do not have a debt within their system of {$790.00} with XXXX. They also confirmed that they would alert the bureaus to remove this debt, but it is still reporting on my credit report. I am filing a complaint for not attempting to help me with this debt. Due to the fact that it is still reporting on my credit report with XXXX XXXX.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX XX/XX/2013 {$270.00} CABLE/CELLULAR has charged me an incorrect charge which is negatively affecting credit status on all XXXX credit bureaus. I 've cleared all my accounts with XXXX and have an active account with them currently.
Consumer complaint received 2023-08-08
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. (TX)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting or the consumer laws that's been put in place. I have evidence to prove my case.
Consumer complaint received 2023-06-20
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. (TN)

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 XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$3600.00}
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On Sunday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I receive an email from Coinbase informing me that my account has been blocked. I follow their instructions to recover access, which I recover on XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I check if there are any changes or modifi cations and I realize that my cryptocurrencies ( XXXX and XXXX ) were converted to USD and withdrawn to two bank accounts that I do not recognize, I process to find a way to contact coinbase as soon as possible and start a chat, in which they confirmed the withdrawal of the funds in 3 transactions and without giving me any solution they block my access to the account again, and start the process to recover access to the account and I hope to recover access today at XXXX XXXXXXXX XXXX  to obtain more information The withdrawal of the funds was sent to 2 XXXX XXXX XXXX accounts whose last digits are XXXX and XXXX
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (NJ)

I sent a letter on ( XX/XX/XXXX ) to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the bureaus are required to remove/block any inquiries or information not later than XXXX business days after the ( XX/XX/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 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-07
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: EQUIFAX, INC. (AL)

On my Equifax credit report, several unauthorized hard inquiries were made by various companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, without my knowledge or consent. These inquiries appeared on the following creditors and dates : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Despite not applying for credit or providing permission for these inquiries, they remain on my report, causing significant damage to my credit score. 

Additionally, Equifax is reporting late payments for my XXXX XXXX XXXX account. However, I have never missed or been late on any payments for this account. I have consistently made all payments on time, yet these erroneous late payment reports are negatively affecting my credit score. The reporting of these late payments is incorrect and violates 15 U.S.C. 1666b, which protects against such inaccuracies.

I have attempted to resolve these issues by disputing the inquiries and late payment reports directly with the credit bureaus, but no satisfactory action has been taken. I am seeking the removal of all unauthorized inquiries and the correction of the inaccurate late payment reports.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

NONE of these belong to me or has ever belonged to me. 
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 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 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DC)

i have a mortgage loan with Ocwen Loan Servicing. Just received a letter from Ocwen indicating that as of XXXX XXXX, 2015, it will no longer service my loan and that all payment are now to go to XXXX XXXX XXXX. I called Ocwen to ask when i will get a letter from XXXX ( as Federal law requires ) but no one seemed to know what i was talking about. 

Federal law requires that both the old and the new servicer send a letter to the borrower. 
I am filing a complaint because i was told that Ocwen will stop accepting payments as of XXXX XXXX, 2015, but i have not been formally advised that XXXX will accept my payment. 
As you know, because scammers create phony companies and advise lenders to start making payments to them, several years ago congress enacted the law requiring both lenders to send a letter.Legitimate lenders generally send a joint letter ; the letter i receved was only from Ocwen
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Ive had a very confusing time with my mortgage being mishandled. I mailed in my XXXX by mail on XXXX. XXXX XXXX Dovenmuehle Mortgage lost my payment and didnt process it. 
Also right at that time, I had set up automatic payments which were to state XX/XX/2023. I kept on logging into my account during XXXX and saw no payment was due. 
Then in XXXX when I logged in, I saw that there was an outstanding amount and that the XXXX payment had not been taken out and neither was the XXXX payment applied. And I was marked late for it. 
Upon seeing that my check was still not cashed, I immediately paid the amount owed displayed. I was later told that the online screen only will allow and show one-month payments and recurring payments wont withdraw if there are any outstanding payments owed. 
This is something that was not communicated to me when I set up the auto payments. 
It is not my fault if the mortgage company loses my checks and doesnt process payments and fails to notify me. 
I understand that I missed the payment deadline which has negatively impacted my credit score. However, I believe the servicing of this account has been marred in confusion, since its a new account., I was also given limited information and had both technical and issues that absolutely misled me on the website. In addition, it also had been very confusing trying to figure out who the actual lender is. Also, time and again I tried to login to the XXXX XXXX website and it kept on transferring me from one portal to another, and wouldnt let me in. 
I also filed a small claims court against XXXX XXXX Dovenmuehle Mortgage and there is a $ XXXX judgment pending against them. However, Id be willing to drop this case if the companies remove the late payment from my credit report.
Consumer complaint received 2023-08-09
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. (SC)

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.