davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Validation of Account : XXXX Dear CFPB, I am writing to formally dispute the account referenced below that is appearing on my credit reports with XXXX and XXXX. This account is not mine and has been inaccurately reported. Despite disputing this account on multiple occasions, I have yet to receive any communication or validation of this account. I am now requesting your immediate intervention to ensure compliance with the law and that this matter is resolved promptly. 

Disputed Account Information : Account Name : XXXX  Account Number : XXXX Credit Bureaus Involved : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Current Status : Closed, Paid Comments : I have not authorized this account to appear on my credit report, and it is not mine. The account should be removed immediately as I have requested validation on several occasions without any resolution. 
This letter serves as my formal demand for validation of this account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide original documentation, including any signed agreements or contracts showing that I am responsible for this account. If such validation can not be provided, I insist on the immediate removal of the account from my credit reports.

Furthermore, I assert my rights under the following laws : FCRA Section 611 : My right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( a ) ( 1 ) ( A ) : My right to request information and documentation related to any item of information on my credit report.

FDCPA Section 809 : The obligation for a debt collector to validate the debt upon request. 
As of today, XX/XX/XXXX, I have not received any communication regarding this matter, and the account continues to damage my credit unlawfully. I demand that all inaccurate information be removed from my credit reports immediately. 

Thank you for your immediate attention to this matter. I trust that the CFPB will handle this issue in accordance with the law. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 2024-10-02
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. (MI)

As informed XX/XX/XXXX at XXXX for 25 minutes your employee XXXX said WE SENT YOU A SATISFACTORY OF MORTGAGE YOUR LOAN XX/XX/XXXX AND ARE PUTTING IT IN THE SYSTEM FOR YOU TO PICK UP AT ANY LOCAL BRANCH. 

PLEASE CONFIRM BY REVIEWING THE PHONE CALL. 


THE CFPB MUST FINE XXXX  FOR LYING OVER MANY COMPLAINTS, A LIE, THAT THIS IS A DUPLICATE IS TO EVADE THE CRIMINAL FRAUD THEY CONTINUE TO COMMIT.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

XXXX you have committed a crime of fraud with your fake client from XXXX XXXX XXXXr XXXX XXXX fake SSN XXXX and XXXX. 

THE CFPB MUST FINE XXXX 

PLEASE CONFIRM AS YOUR EMPLOYEE XXXX STATED XX/XX/XXXX AT XXXX SPOKE XXXX MINUTES SHE CALLED ME FROM XXXX XXXX PLEASE REVIEW THE PHONE CALL BEFORE YOU LIE AND SAY THIS IS A DUPLICATE. 

SHE SAID WE SENT YOU A SATISFACTORY OF MORTGAGE XX/XX/XXXX? 


CFPB- PLEASE INVESTIGATE AS XXXX WILL ALWAYS LIE
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX  XXXX continue to lie including in complaint ending XXXX which they have participated in an Criminal Fraud Scheme led by their client fake doctor XXXX XXXX fake SSN numbers XXXX and XXXX in which they are concealing but detailed it on XXXX. 

THE CFPB MUST FINE XXXX  XXXX XXXX  UPON CLOSING THIS COMPLAINT. 

1. ON XX/XX/XXXX AT XXXX TO XXXX  XXXX XXXX SPOKE TO MALE EMPLOYEE XXXX WHOM TOLD ME THIS IS AN CRIMINAL OFFENSE AND HOLD ON WHILE I READ THIS CRIMINAL OFFENSE ABOUT XXXX XXXX INVOLVEMENT. 

2. ON XX/XX/XXXX AT XXXX I RECEIVED AT CALL FROM XXXX XXXX XXXX XXXX AND SHE SAID WE SENT YOU A SATISFACTION OF MORTGAGE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND XXXX XXXX XXXX WERE FULLY AWARE. 

THE CFPB MUST FINE XXXX  XXXX XXXX FOR THEIR ROLE IN CRIMINAL FRAUD.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

XXXXXXXX XXXX XXXX  has lied ongoing that you followed bank laws even under CFPB XXXX XXXXXXXX and one valuable lesson to be learned here is that the truth always rises to the top and now confirmed by my broker chase that my loan were paid in full prior to your ongoing wrongful actions on XXXX after XXXX XXXX register deeds supervisor XXXX assisted me to document deed fraud on XXXX. Then your fake client XXXX XXXX XXXX fake SSN numbers XXXX and XXXX and I reported the fake title as XXXX XXXX and he went on from your support to cash two XXXX escrow account checks in my name and I reported it as XXXX with XXXX XXXX XXXX XXXX stolen my identity XXXX claim XXXX and got four XXXX credit cards in my name ending XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXXXXXX XXXX credit card XXXX also from XXXX XXXX XXXX ext XXXX XXXX still claim unpaidXXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Your scam led by XXXX XXXX of XXXX XXXXXXXX XXXX  has fake loan XXXX attached to my good loan without clear title in behalf of scammer for XXXX is Criminal Fraud. 

Please address your wrongness?
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (MI)

Now the truth is out about all these different frauds including stolen identity by your client fake XXXX XXXX XXXX fake SSN numbers XXXX and XXXX here in our country on an XXXX  and used those fake titles including XXXX XXXXXXXX XXXX XXXX  on those loans as you say I started loan XXXX and absolutely have never done business with loan depot and that fake title as a XXXX  got reported as XXXX. He also got a credit card in my name with XXXX XXXXXXXX as ending XXXX. Then with XXXX as cards ending XXXX, XXXX, XXXX and XXXX confirmed by another XXXX XXXX XXXX XXXX ext. XXXX still claim no XXXX unpaid. Then he use a fake lender that do not exist NOT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX id # XXXX on XX/XX/XXXX at XXXX XXXX as XXXX XXXX XXXXXXXX, do not exist. Then around XX/XX/XXXX chase informed me he cash XXXX checks in my name XXXX. XX/XX/XXXX XXXX. Mailed on by chase supervisor XXXX on XX/XX/XXXX to the XXXX he cashed. They informed me to make police report and I did as XXXX Det. XXXX XXXX XXXX that he cash at XXXX XXXX XXXX XXXX still unpaid. I received notice from XXXX XXXX no XXXX that Tradelines - XXXXXXXX XXXX Resolve XX/XX/XXXX and XXXX has confirmed my loan were paid off in XXXX.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Did your employee XXXX XXXX XXXX XXXX make fraudulent transactions for illegal immigration scam artist XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX escrow account checks in my name thanks to your employee arrangement enabled him to do it as cover of a fake loan as XXXX use my good loan paid up in full XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX still  desperately determined to conceal the mortgage fraud. 


TO CONTINUE NOT TO ANSWER IS FRAUD IN ITSELF AND IF YOU CAN'T SIMPLY SAY NO THEN IT IS TRUE. 


The CFPB MUST FINE YOU. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX XXXX Account number : N/A Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear ( XXXX XXXX XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor. 
to the secure trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors
Consumer complaint received 2024-11-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I have been trying to transfer my deceased fathers cd from Citibank for over 1 year. After meeting ALL of their requests for access to account, they did not follow my specific instructions and proceeded to make the final check disbursement to XXXX of XXXX XXXX instead of XXXX XXXX as instructed.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, I express my deep discontent and irritation toward the existence of erroneous information in my credit report. Unsubstantiated accusations without proof are intolerable. Adherence to legal requirements is crucial. Submit evidence or eliminate inaccurate claims promptly. I authorize you to promptly deliver physical documentation and an updated credit report. Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Incorrect Name : - XXXX XXXX
Consumer complaint received 2024-10-03
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. (NJ)

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the late payments on my credit report under federal law. They had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This is infuriating it's stressing me out, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and disregarded. As a consumer, I know I have rights and that very right is being violated with what you are reporting on my credit that are not the maximum possible accuracy and is erroneous, which have been already deleted by both XXXX and XXXX. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-07-17
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. (FL)

We have repeatedly contacted XXXX XXXX about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with XXXX, we filed a police report, and we have written and mailed copies of all the above to XXXX. 

They have not removed the fraud account from our credit records. 

XXXX XXXX does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission
Consumer complaint received 2024-10-03
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. (CA)

I have recently been working on my credit, when I got an alert from XXXX XXXX XXXX that I had an account with a company I had never heard of and a XXXX account that I have never had. 

XXXX XXXX XXXX OPEN DATE : XXXX XXXX XXXX  XXXX OPEN DATE : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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. (PA)

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 2024-10-03
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 informationisinaccurate.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-09-16
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. (GA)

XXXX, and Experian have inquiries on my credit reports that I have not authorized. XXXX XXXX XXXX/XXXX/2024 XXXX XXXX ) XXXX XXXX XXXX XXXX/XXXX/2024 ( XXXX ) XXXX Experian reports show an inquiry for XXXX XXXX XX/XX/2024 XXXX
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (NV)

In XXXX, 2022 I notice XXXX XXXX had removed {$120.00} from my account with Bank of The West. I called to dispute the charge as I HAD NOT authorized them to do so.I got the feeling the customer service rep was not interested in assisting me to dispute the charges, so I went to the bank on XXXX XXXX and spoke to XXXX. She disputed the charges for me and we destroyed the old ATM card. 
To my surprise, Bank of the West then authorized XXXX to remove the {$120.00} AGAIN from my account saying based on XXXX 'S TERMS they did so. This is absolutely ridiculous. If I hadn't checked my account, I would have not known. This is XXXX and Bank of the West is allowing XXXX to happen to customer 's account because they are accepting the merchant 's lies. So their customer 's don't matter, just the merchant.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

A auto mechanic charged me over {$5200.00} claiming they did work. They did nothing to the car and I had two other mechanics verify this. I provided this evidence to Chase Bank and they only temporarily overtured the charge only to reverse their decision later on siding with the mechanic who falsely charged me for {$5200.00}. 

I provided photographic evidence, written statement, and receipts even showing me they charged me for the wrong parts. Chase did not even contact me after the fact of sending them this information. They did not even inform me by phone that this was denied which caused me some temporary financial issues. ' I also have high resolution photos to prove my case showing the dates on the installed parts. Chase never discussed the suspiciousness of this ever with me. 

Also the receipts I provided says they installed XXXXXXXX XXXXs, which are yellow and clearly not on the car, the mechanic later said oh no we installed " refurbished '' originals. Chase also didn't seemingly care about this lie and false representation. 

I have a PDF with photos and photos that exceed the XXXX limit that may help with my case.