davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. (IL)

I am writing to lodge a formal complaint against this credit reporting agency due to their ongoing failure to report accurate information, despite my multiple efforts to dispute and correct these errors. The actions of the credit reporting agency have infringed upon my rights under the Fair Credit Reporting Act ( FCRA ), and I seek your assistance in addressing this issue. I have been meticulously monitoring my credit reports and have repeatedly observed inaccuracies in my credit history. Although I have filed disputes with the agency and provided all necessary documentation, they have not conducted a reasonable investigation as mandated by the FCRA, nor have they corrected the inaccuracies.XXXX XXXX  : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. You are being erroneous. Remove this on my credit report. 

XXXX XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. You are being erroneous. Remove this on my credit report. 

XXXX XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Remove this account ASAP. 

XXXX XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Remove this account ASAP. 

XXXX XXXX : Account number : XXXX, How come that there are XXXX account numbers being reported. Remove this account ASAP. 

XXXX XXXX : Account number : XXXX, How come that there are XXXX account numbers being reported. Remove this account ASAP. 

XXXX : Account number : XXXX, This account is unfamliar to me. Delete the account. 

The right to prompt correction of inaccurate information ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the investigation results ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )
Consumer complaint received 2024-05-20
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Upon reviewing my credit report, I'm very disappointed to find that these unauthorized accounts still adversely affects my creditworthiness. It's crucial to understand the significant impact this has on my financial standing. Despite multiple attempts to rectify this issue by submitting letters to remove the following accounts, TransUnion continues to report it, which is deeply concerning. 
XXXX and XXXX have already recognized the error and removed these accounts from their records. I urge Transunion credit bureau to follow suit promptly. Immediate action is imperative to delete these fraudulent accounts resulting from identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Although I am still unable to see my credit score or credit file, I am able to dispute certain items. The problem is I am not able to dispute a particular account ( which states it is under reinvestigation ) even though the dispute has been completed. I have asked that Equifax fix the situation with different managers, they all give different answers as to why the problem won't get fixed.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-20
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. (TX)

You are in violation of the FCRA for continuing to report late payments on the account XXXX XXXX XXXX when the creditor submitted a manual update in XX/XX/year>. The creditor sent a response letter ( enclosed ) stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within XXXX days. It has been well over XXXX months and this account remains on my Equifax report. XXXX and XXXX have removed this account. Please see the attached response from the company and remove this account within XXXX days.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies XXXX, XXXX, and Equifax, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) XXXX as well as the inclusion of these accounts on my credit report despite legal prohibitions. The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as XXXX, XXXX, and Equifax are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. Despite these legal mandates, I have observed that XXXX, XXXX, and Equifax continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that XXXX, XXXX, and Equifax comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' credit reports.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX in XXXX Texas sold solar panels to me and financed them through Dividend Financial, a division of Fifth Third Bank. I purchased the solar panels around XX/XX/XXXX. I put my house on the market in XX/XX/XXXX and it went under contract in early XX/XX/XXXX. When the title company conducted the first title search upon the house going under contract, there was no lien on the home. The house was set to close on XX/XX/XXXX. The title company ran a second title search on the property on XX/XX/XXXX and discovered that a lien had been filed by Fifth Third Bank on XX/XX/XXXX. I contacted the company and went through the process required to have the lien transferred to the new home I was purchasing and the company approved the transfer. They claimed that they filed a release of the lien on the old house so the sale could be completed. They stated it would take XXXX business days for it to be filed with the appropriate county. After XXXX business days, with nothing recorded by the county, I called the county and they stated that nothing had been filed, and if it had, it would have been recorded the same day. Dividend financial has been less than cooperative in this matter and almost caused me to lose the sale of my home. The only way I was able to complete the sale was to have the proceeds from the sale go to pay off the solar loan.
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (RI)

I have been threatened by my mortgage company of foreclosure. I have called them several times but get a different response every time. I fell behind due to problems with my personal checking account. I found erroneous charges on my account which cause my mortgage payments to bounce. Once that was settled I have made my payments from a new account for the past 5 moths. Out of those five moths, 3 months of payments were returned to me with no explanation. When I called to find out what was going on, I was given different answers every time. At this point I do not know if I still own my home & have to move. I have not received anything in writing & I'm terrified that I will be evicted with no advance notice. My main concern are my XXXX dogs which are my " kids '' or babies. I XX/XX/2018, I signed an agreement with the company to make elevated mortgage payments to get caught up. My last three payments were returned with no explanation.
Consumer complaint received 2024-05-20
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. (NJ)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$750.00} XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-05-20
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. (CA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-05-20
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. (NY)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (IN)

On XX/XX/2023 XXXX Credit Card issued by XXXX XXXX XXXX XXXX cancelled my account for no valid reason. I contacted them by telephone and was first told my account was closed because I had several late payments. This is not true. I was never late on my payment and always made more than the minimum payment required. I was then told I had fraudulent charges and payments on my card. This too is not true. I made all the charges on my account that were authorized and made payments from my Bank Checking Account which too is not fraudulent. ( XXXX XXXX Checking ). I have had this account over 15 years. 

On XX/XX/2023 I paid the full balance on my account of {$1000.00}. This was able to be paid because I won {$11000.00} on a slot machine on a online Casino known as XXXX XXXX and is legal in my state and in the United States of America. Therefore, there was no fraudulent payments or activity. 

The account currently has a XXXX ( XXXX ) balance and payment was even made after the account was closed my XXXX and XXXX XXXX XXXX XXXX. My assumption is that they closed my account because there were no longer getting interest charges from me because I charged then account and paid off the balance The was done to show use of my credit available to me and to build up my credit and XXXX XXXX With XXXX and XXXX XXXX XXXX XXXX  closing my account the have hurt my credit and reduced my XXXX XXXX by XXXX point and reduce my credit available to me by {$1500.00}. 

XXXX and XXXX XXXX XXXX XXXX needs to provide to me the FRAUDULENT Charges and Payments and a detailed reason for closing my account. I will also note that all my payments were made on time and often before the due date I have read several complaints online now about this company and post on XXXX. Maybe customers have experience similar situations and closing of account I want my account reinstated with the same credit limit or I will be filing a lawsuit and possibly a XXXX XXXX XXXX This is not legal action by this company. 

Their customer service representatives have no idea what they are doing and providing incorrect information to customers
Consumer complaint received 2024-05-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

After filing multiple requests ( see below ) and providing multiple receipts and proof documents ( often for the same documents ) I am now provided a check in the amount of {$120.00} ( which I am holding in lieu of final settlement ) against a total claim of {$380.00}. No explanation has been provided by Card Benefit Services as to how the check amount was arrived at nor which amounts of the claim have been denied, if any, nor the reasons for any denial. 
Earlier CFPB complaint filings : XXXX XXXX
Consumer complaint received 2024-06-19
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)

Subject : Formal Complaint and Request for Correction under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report and to address multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other related laws. 

1. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) : I have disputed several inaccuracies on my credit report which have been returned as verified without providing the necessary procedures and evidence used in the verification process. This is a direct violation of 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation into disputed information and provide the consumer with the results of the investigation, including the method used for verification.

2. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) : According to 15 U.S.C. 1681a, a consumer report should exclude information that solely pertains to transactions or experiences between the consumer and the institution making the report. My credit report contains such information, which should not have been included as per this regulation.

3. Violation of the Privacy Act of 1974 : The inclusion of nonpublic personal information in my credit report without my consent violates the Privacy Act of 1974, which ensures the protection and confidentiality of individual records maintained by federal agencies.

4. Violation of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801, 6802, and 6803 ) : 15 U.S.C. 6801 : Financial institutions are obligated to respect the privacy of their customers and to protect
Consumer complaint received 2024-05-20
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. (TN)

To whom it may concern, I just recently looked at my credit report. I recently reviewed my credit report and noticed an account that was not reporting accurately. Can you reinvestigate the accounts listed below : XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on ( date you received the letter from TransUnion ) that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.