davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (MO)

I am writing to dispute the accuracy of the information on my credit report. After reviewing my credit report from your agency, I have identified several accounts listed with incorrect account numbers. I kindly request your assistance in investigating and rectifying these discrepancies. Below, I have listed the inaccurate account information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX reporting to XXXX and XXXX and Account # XXXX to Equifax. 
Please note that these incorrect account numbers are not associated with my credit history or any accounts I have opened. I believe this misinformation could potentially affect my creditworthiness and financial standing, which is a matter of great concern to me. 

Also, the company that operates as a business under XXXX XXXX XXXX is not licensed to collect in the State of Missouri where I am a resident. I have attached their state licenses in the attachments. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify the inaccuracies promptly. As per the Fair Credit Reporting Act, I kindly request that you complete the investigation within 30 days and provide me with a written response of deletion for violation of reporting inaccurate information regarding the findings. 

Furthermore, I also request that you update my credit report to reflect the accurate account information. Please ensure that any associated negative remarks or impact on my credit score resulting from these incorrect accounts and account numbers are deleted accordingly. 

Enclosed with this letter are copies of relevant documentation, including my credit report highlighting the inaccuracies and any supporting evidence, such as account statements or correspondence.

I understand that it is your responsibility to communicate this dispute to the furnishing creditor ( s ) promptly. I expect that you will fulfill your obligations in accordance with federal regulations to ensure the accuracy and integrity of my credit report. 

I kindly request written confirmation of the receipt of this dispute letter and your acknowledgment of the investigation process.
Consumer complaint received 2023-05-01
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. (LA)

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXXXXXX XXXX Account Number : XXXX This is a violation of my rights. Please delete 2. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not accurate date of last activity is inconsistent XXXX XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 3. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 4. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 5. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 6. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXXXXXX XXXX XXXX Account Number : XXXX This is a violation of my rights. Please delete XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-19
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. (SC)

On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. XXXX  Complaint ID is XXXX. Equifax XXXX ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX Account Number : XXXX or XXXX, the payment history is wrong! XXXX and Equifax are showing 2 different payment histories. XXXX is missing last activity information. HOW MANY TIMES DO I HAVE TO KEEP DISPUTING THIS??? IT IS OBVIOUS THAT THE CREDITOR IS SENDING FALSE INFORMATION AND YOU ARE REPORTING IT!
Consumer complaint received 2023-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC (VA)

As of XX/XX/2023 my vehicle was sent to the body shop for repairs. Once the repairs are done, my finance company ( CNAC ) will not sign off on the insurance check because I will not agree to put new parts on the vehicle because it was sold to me without new parts. At this time they are holding my car and the insurance check issued to me. I will not put new parts on the vehicle as it was sold to me with damage to the bumper ( approx. 2 inches of the top left corner of bumper on passenger side was already not attached, also the paint under the front vehicle tag was already peeling ). I feel as they are trying to make the insurance company pay for replacement parts because they are paying for it and they didn't put on replacement parts before selling me the vehicle. I would like the company held liable for fraudulent information and unethical practices with the customer ( Me ). I fixed the retainer clip and replaced the headlight as what was damaged and they are making more items just so the other persons insurance company can pay for it. 
Also the body shop has already done the work and CNAC finance company XXXX XXXX XXXX XXXX XXXX doesn't want to pay them for the work they've done. they are applying alot of shady practices. All involved is the General manager for XXXX XXXX JD Byrider location, XXXX XXXX XXXXaccount rep, also XXXX - Account mgr. 
I was informed by the insurance company that it was my decision where to get the repairs done and if the repairs are done and CNAC/JD Byrider is not following those guidelines.
Consumer complaint received 2023-05-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Revenue Management, Inc. (CA)

Addressing American Revenue Management : I request communication regarding a purchased debt. Failure to comply with laws may be reflected on my credit report. I urge you to rectify any violations, provide the required notice, and resolve the matter promptly. Accuracy and transparency are key
Consumer complaint received 2023-05-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (VA)

I have a question to the response given by Truist Financial to my latest CFPB report. This is not a final statement but a request for information and to clarify part of the statement provided as feedback to my questions. 
You said, a paper dated for XX/XX/2017 was included with your reply. I can not locate paper with in your response. 
Please clarify for me a paper you included dated on XXXX XXXX. A statement for loss mitigation. Does it in fact say they approved a " Incomplete " application from me. I never received this paper in the mail from either Truist or XXXX XXXX. I'd like to see where I signed for this information. I have had several COVID relief and I can prove them by my payments. Everytime I call to make a payment they offer it. This also brings me back to the question of, are you singling out people by their financial difficulties, are you using the covid as a way to know who to XXXX? Again if my payments were behind by over {$13000.00} wouldn't you have contacted my attorney. I was under bankruptcy and you were advised that I had an attorney but yet you never advised him that I was {$13000.00} behind in payments. Nor alerting myself or him that foreclosure proceedings was already in the works again with XXXX law firm, ( this was confirmed by XXXX XXXX himself the attorney in the XXXX office.
Consumer complaint received 2023-05-18
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: World Acceptance Corporation (GA)

XXXX XXXX XX/XX/XXXX {$1300.00} Connected the company demanding deletion cause it wasn't my account XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} Connected the company demanding deletion cause it wasn't my account and trying disputing XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} Connected the company demanding deletion cause it wasn't my account
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (NV)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX : {$330.00}.
Consumer complaint received 2023-05-19
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: Affirm Holdings, Inc (GA)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 1 ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (NC)

I was reviewing my credit report and I noticed a few unauthorized inquiries on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these inquiries were made on XX/XX/2022.
Consumer complaint received 2023-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (NY)

BMW financial services has not provided me with lien release for my vehicle despite the fact that I paid off loan months ago. They keep saying they will send it to me but never so despite many calls and emails.
Consumer complaint received 2023-05-18
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 information is inaccurate.
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have multiple accounts where I don't recognize after the fact they happened. I don't have a exact number but I do know it has affected my life very much so. I would say the debt I have collected that I am not familiar with would be around the XXXX mark. It is defamation to my identity and need it to be resolved so I have a fair shot at this life.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

XX/XX/23 @ XXXX XXXX {$1900.00} was fraudulently taken/ stolen by a man impersonating an XXXX customer service agent. He said his name was XXXX XXXX and his extension was XXXX phone number is XXXX. I contacted XXXX they said that they didnt have an employee with that name or extension. I immediately contacted chime because I had two step verification and I should have gotten a text message from chime asking me if I authorized this and I didnt. Its like the money vanished except it didnt. I checked my email and I have an XXXX this email said my chime card had been added to a XXXX wallet the man who called me had a very distinct accent hes from the XXXX XXXX like XXXX or something. Chime took my complaint said that they would credit the money back into my account while pending investigation and then they sent an email saying that it was authorized and they arent crediting it back to me. I have disputed made disputes with chime bank XXXX XXXX Ive called a detective and made a police report and I have called the FBI cyber crimes department as well, I feel chime is the culprit and they are taking there customers money. Then they had an attorney email offering to help represent me and get my money back but I already XXXX and this is what chime does when people get there taxes they get have had some kind of call where they lost all there money and chime refers an attorney to them and once they win the attorney takes your money. This is XXXX. This isnt just happening to me its happening to a lot of people who have chime. Thats all the money I had in the world I was saving to get me and my son a nicer place to live and I have to get it back. 

This happened nearly 3 weeks ago and I have stayed on top of it every single day of the week. No one has helped me whatsoever. Chime said that they cant do anything and to contact the merchant??? I did try that he didnt answer my calls but I do have a recording on my phone of my childs father calling him baiting him to do the exact same thing to him. So why has nobody called this guy and pretended to have an XXXX dispute with their chime card??? If they had contacted him and actually investigated then I would have my money back but they havent they are just trying to get more. I wont stop until I get my money back. If they continue to prolong it then I will sue for pain and suffering. I am disgusted and I know he can be caught because hes greedy. So please look into this because I know he has stolen a lot more than the {$1900.00} from me. Ok hes doing this for a living,
Consumer complaint received 2023-04-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

XX/XX/2023 XXXX XXXX Loan number : XXXX Property address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX My name is XXXX XXXX. 
*I applied for a loan modification XX/XX/2023. 
*however, it took a total of five email submissions for my modification documentation to be received by Seline loan resolution department.

*I believe my modification request was denied in error. For the following verifiable facts, I am asking for a re determination.

1. My modification request was processed under conventional loan qualifications and requirements when my loan has always been an FHA XXXX XXXX. Original XXXX number XXXX XXXX XXXX XXXX. My previous loan services Always recognize my loan as an HHA  XXXX XXXX Government Backed Loan 3. Due to Seline processing my modification under conventional loan qualifications I believe I was denied an modification in error 4. I have not received any communication/Explanation of how my loan was changed to a conventional loan 5. I did not receive any communication that my loan modification request was denied nor the reason it was denied. I was only informed that my home was back in foreclosure with a sale date when I called to inquire about my modification request.

During that conversation with your customer service representative, I was informed that my loan modification request was under a conventional loan modification request and not under the government sponsored modification under XXXX XXXX or XXXX XXXX. 
At that time, I expressed concerns that my loan has always been under XXXX XXXX and at no time was I aware of it being changed nor did I authorize or sign any documents for it to be changed to a conventional oan. I was guaranteed to be contacted by someone in the correct department regarding my loan showing as a conventional loan instead of a XXXX XXXX under XXXX XXXX ID XXXX I have attached a new loan modification request with the following documentation. 
1. Power bill 2. Check stubs 3. XXXX XXXX 4. W2 ( XXXX ) 5. XXXX XXXX  6. IRS Avidavit also delene has put many late paymnt charges and additional fees. my income chnaged due to the pandemic i shoud not have late charges and my credit has been effected
Consumer complaint received 2023-05-18
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. (CA)

On XX/XX/2023 XXXX XXXX XXXX sent a written confirmation stating that an update on account number : XXXX has been sent to all credit reporting agencies to reflect a {$0.00} account balance. As of XX/XX/2023, all credit reporting agencies has reported inaccurate account information.