davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This inquiry does nothing for you, but hurts my credit. Please supply a copy of my request for credit. Please have the name, date, and what was applied for and send to me as you are required if I dispute the information. 

I have several ongoing complaints that have not been resolved concerning the same issues. Not one creditor has supplied me with the information required. Due to the time and lack of information all should be deleted from credit files immediately.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

This is the 3rd complaint regarding my mortgage servicer and their inaccurate credit reporting. Despite repeated assurances they continue to report me delinquent on my account to all 3 credit bureaus. Additionally, they are reporting different information to each bureau most of which is inaccurate. It is clear that this action is intentional as I've invested countless hours attempting to resolve it directly with their agents and supervisors yet it continues to occur. Additionally the servicer is attempting to circumvent regulations by removing XX/XX/90 day delinquencies but stating that the current payment status is XXXX days late. I have now been harmed financially directly by their actions and will be left with no choice but to pursue legal action as a result.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 

A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 

This letter is a request for you to explain to me how was this determined?
Consumer complaint received 2023-07-27
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. (VA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-26
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. (GA)

I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 

A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 

This letter is a request for you to explain to me how was this determined?
Consumer complaint received 2023-07-27
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. (MI)

To whom may concern I have reached out XXXX Credit Bureau Account # XXXX Amount XXXX many times to have this account removed its Fraud i never open this account it also go against my rights. 


In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Alleged Account With XXXX ( Alleged Account XXXX XXXX ) Needs To Be Removed From My Credit Report As We Received A Loan Verification Letter From XXXX Stating That Loan Status Is Paid In Full. Letter Will Be Attached To This Complaint. Experian Needs To Remove This From My Credit Report Immediately.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT AND INQUIRIES ACCOUNT NAME : US DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$6100.00} Balance updated XX/XX/XXXX Original balance {$5300.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

I opened my business checking account through Wells Fargo XX/XX/XXXX. Then, I received the letter stating the account was closed on XX/XX/XXXX. I was told to contact the XXXX XXXX XXXX. I received the documents from the XXXX XXXX XXXX and showed them at the Wells Fargo branch. The manager reviewed it and allowed me to open new business checking account. Then, I received another letter stating the account was closed on XX/XX/XXXX. I was so furious and upset. The closed business account affected my business operation. I was not unable to deposit the company checks. It impacted my business lots. I lost thousands of dollars. I was forced to use XXXX XXXX to accept credit card transaction. The merchant incurred so much fees. Wells Fargo owed me thousands of dollars because of the closed business account. The XXXX XXXX XXXX showed no evidence negative statements. I am asking for the reimbursement of my lost business cost and allow to open a business checking account.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: HOME ACCEPTANCE CORPORATION (CA)

In XX/XX/XXXX I was contacted by XXXX XXXX of XXXX XXXX to discuss options concerning debt forgiveness of my federal student loan served by XXXX XXXX. 

He suggested that I transfer my student loans from my current provider ( XXXX XXXX ) to XXXX XXXX. He emphasized the importance of having an existing payment history and explained that if I have 20 years of payment towards my student loans, the government will automatically forgive my loans -- a claim he used to leverage my fear of having to pay my current provider a monthly payment of {$210.00}, if and once it comes out of forbearance. 

By doing so, his way of convincing was I could choose any amount to pay, so I told him if and when I do transfer to XXXX XXXX, I would pay {$50.00} every month towards my student loan balance. He asked me for my form of payment and details -- I gave him my credit card information. He then sent me docusigns which he told me was for me giving him the right to legitimately transfer my student loans from XXXX XXXX to XXXX XXXX. 

From XX/XX/XXXX and onwards, {$53.00} was charged monthly to my credit card on file -- an amount I assumed was going towards my balance. It wasn't until in XX/XX/XXXX, I received an email from XXXX XXXX about my payment ( account was still in forbearance ), I had then realized the loan transfer that had been discussed back in XX/XX/XXXX actually never happened and I've been scammed. 

I then called my credit card about this fraudulent activity which prompted Home Acceptance Corporation to harass me with calls to pay my balance. I refuse to pay for a service I didn't receive, which was what I told XXXX when i called Home Acceptance Corporation. Over the phone, when I relayed these concerns to her, she spoke as if XXXX XXXX and Home Acceptance Corporation are different companies, telling me " my team has been trying to reach XXXX XXXX but they haven't responded. '' When she said she will call back for updates, she never did. She even gave an option of emailing, which I did, and to no surprise, I never got an email back. 

The calls and harassment continued until I called back to stop calling me and to return my money. They told me the same story of how XXXX XXXX have not responded yet. Despite all of this happening, I continue to receive bills from Home Acceptance Corporation, which XXXX also told me over the phone she will stop billing me because of the reasons I mentioned. In addition, the bill by Home Acceptance Corporation has XXXX XXXX imprinted on the background, which leads me to believe they are one and the same.

To this day I am still getting negative reporting on my Credit Report and I have not been able to contact them to stop reporting this fraudulently established loan for services not rendered.
Consumer complaint received 2023-05-07
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. (GA)

XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX, have written this dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2200.00} PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$16000.00} I am disputing this claim ( s ) due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. IT IS FRADULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATEL. 

This is my official request to have the aforementioned items to be deleted off of my credit report. Enclosed may be additional evidence to support my claims. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 XXXXXXXX XXXX XXXX XXXX CHILD SUPPORT NORTH CAROLINA XXXX Child Support XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 information is inaccurate.
Consumer complaint received 2023-07-27
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX*Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$61.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX BalanceOwed : {$7800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

There is a Macy 's credit card on my name I never made any purchases on Macys credit card. I have disputed those many many times but they are not removing it. The amount is {$720.00}. It is charged off as bad debt. The purchases was a result of identity theft. I asked them to provide me the proof of all investigations and they never did.
Consumer complaint received 2023-05-07
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: Persolve, LLC - Legal - Series 2 (TX)

You are in direct violation of the fair credit reporting act many accounts have violated several of My rights.

15 u.s.c1681 sec 602 a.clearly states I have rights to privacy.

15 u.s.c 1681section 604 a section2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 16668 : a creditor may not treata payment on credit plan as lat for any purpose.

Remove these late payments and update these accounts immediately as u are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-05-07
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. (MD)

Dear Equifax, I am writing to dispute several hard inquiries that have appeared on my credit report, which I obtained on XX/XX/2023, upon reviewing my credit report, I noticed the following inquiries that I believe are incorrect and unauthorized : 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 I have not applied for any credit with the aforementioned entities, nor have I authorized them to access my credit information. These inquiries are inaccurately reflecting on my credit report and may negatively impact my creditworthiness.

I understand that hard inquiries may be generated when applying for credit, but these specific inquiries are erroneous and should not be associated with my credit profile. I have taken the necessary precautions to protect my personal information and have not engaged in any activities that would warrant these inquiries. 
In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I kindly request that Equifax conducts a thorough investigation into these inquiries and provides me with a prompt response. I am seeking the removal of these unauthorized hard inquiries from my credit report, as they are impacting my credit score and financial reputation. 
To assist in the investigation, I have enclosed copies of my credit report highlighting the disputed inquiries. Please review the provided documentation and take the appropriate steps to rectify this situation. I request that you contact the aforementioned entities to confirm the validity of these inquiries and promptly update my credit report accordingly. 
Additionally, I request that Equifax provides me with a written explanation of the investigation results, as required by FCRA Section 611 ( a ) ( 2 ). Furthermore, in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ), I request that Equifax provides me with a revised copy of my credit report reflecting the removal of the disputed inquiries. 
It is crucial that this matter is resolved expeditiously, as it may affect my ability to secure credit or obtain favorable terms in the future. 
Please ensure that all future communications regarding this dispute are in writing to maintain a clear record of our correspondence. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution of this dispute. Should you require any further information or documentation from my end, please do not hesitate to contact me. 
Sincerely, XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or 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
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.