davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I am writing to dispute the validity of the alleged debt associated with account [ XXXX ] currently being pursued by your agency. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I Demand that all communication regarding this debt Cease immediately. 

It has come to my attention that your agency has been attempting to collect a debt from me, which I unequivocally dispute. Your continued efforts to contact me regarding this matter are in direct violation of federal law. 

Furthermore, According to 15 USC 1692g, I have the right to request validation of this debt. Therefore, I demand that you provide me with complete and accurate documentation verifying the validity of this alleged debt, including but not limited to : XXXX. Original creditor information. 
XXXX. Detailed account statements. 
XXXX. Any signed agreements or contracts. 
XXXX. Proof of the amount and nature of the debt. 
XXXX. XXXX of your authority to collect this debt. 

Failure to provide this validation within XXXX ( XXXX ) days from the date of this letter will be considered a violation of the FDCPA, and I will pursue all available legal remedies against your agency.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax stated that Payment history at late payments were updated which this is not true as you will look at the verified proof that I took from the Equifax website itself It shows past due history is inaccurate my question is how do you have past due showing 60 days then 90 then another 90 then 120 then another 120 Then it goes back to 90 and 90 that is incorrect past due are supposed to go as follows 30, 60, 120, 150 and 180 days. XXXX XXXX is showing 60 days, 60 days, 90 days, 90 days, 120 days, 120 days, 90 days, 90 days, 120 days. Equifax stated they verified it and updated which is not true as I reported this to you guys already as you look at picture it still shows inaccurate
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed on my transunion report there are XXXX accounts on there that i have no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove or help me with this
Consumer complaint received 2024-06-09
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Dispute letters were sent out.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

i been the victim of fraud on the accounts that is in question i reach out the burears of all account to help clear me of the account starting with XXXX XXXX XXXX XXXX  2 times a XXXX XXXX  XXXX  2 pay tommorow and 2 XXXX XXXX all is down in my name
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Somebody has all my personal information and he keeps unlocking my credit file after I told Transunion 3 days ago to put an EXTENDED fraud alert on my file for 7 years. They are also monitoring all my communications phone, internet, mail. Everything. I have XXXX privacy. After I asked for help with a credit card my bank calls me closed my account and takes my debit card. It has always been this way. My small business are being used by someone else and my credit is being used by someone else to.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Experian XXXX ; drops my credit all the time, but he always offers me loans and credit cards ; Experian recommended paying the loans and opening a XXXX balance complaint ; but they destroy my credit it's lower than ever, and I've never been late on payments or filed for bankruptcy, they said my credit is low because I have personal loans, there were only XXXX, and XXXX credit card, a very small amount, I paid those loans with effort more than 30 days ago ; Now they say that my credit has gone down more because I closed the accounts, I did not close the accounts, I reported XXXX balances, they told me to do it, that's how I do it, I request to update ; my credit I have XXXX open credit card and XXXX store credit card because I don't need more for now ; all the payments I made was because I am refinancing my house and I needed some more urgent points, but it did not help me, it hurt me ; that was the only reason I paid the personal loans in advance and when they are paid they close automatically. 
They reported inquiries from companies all the time I never request any from them. 
I need you to help me to be fair with my record ; I do not owe much, on my house and my vehicle loan.
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023 I attempted to transfer funds from an account at XXXX XXXX to an account at my credit union just as I had done repeatedly in the past. Instead of completing the transaction PayPal held the funds and then their customer service staff insisted that I was the person who created an electronic check. Earlier today I learned that, as I suspected, PayPal created the electronic check and printed the screen showing that they automatically converted the transaction to an electronic check AND provided me with no ability to stop or cancel the transaction. Accordingly I contacted XXXX XXXX after seeing that, in fact, PayPal had received the funds and was holding them for undisclosed reasons. I initiated a dispute per Regulation E with XXXX XXXX and should receive conditional credit in the next day even though PayPal shows it will hold the funds until XX/XX/XXXX. After dealing with PayPal 's utterly useless offshore " customer service '' staff I decided to manually move the funds in the form of cash by withdrawing most of the amount at a XXXX ATM and then driving to my credit union. Since XXXX defaults now to paying overdraft amounts I discovered this morning that my account had a negative balance due to the PayPal originated eCheck debiting my account.
Consumer complaint received 2024-06-09
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)

I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Hello, I am having issues with the credit buraue and false information repaorting on my credit. I have been sending latters since the begining of this year and no one has helped me. I recently applied for a hoem and was denied due to my credit report. 

I have attached the letters I have been sending,
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

I have been unable to get my credit report or dispute results from Equifax since XX/XX/XXXX. Uploaded documentation shows number of attempts to retrieve my report. I even had to start paying a subscription because I used up all of my free reports trying to see my report. I informed equifax through letters and phone calls I feared identity theft due to a divorce. I am a single mother of XXXX children in college and I am in college as well. I can't get student loans approved due to equifax. Lenders can not see my credit report. Even Equifax customer care states they can not see my credit report. I've tried to retrieve it through My equifax, credit karma, smart credit, XXXX website, and credit sesame. I have contacted Equifax customer care 4 times and each time they say they are escalating the case to IT and I will receive an email. I have never received an email from them out of the XXXX complaints that have been filed. I'm uploading documentation which shows where the disputes were filed and they say complete. But I can't see the results, and it never fixes the problem. The dates I contacted Equifax customer care are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am fixing to have to drop out of school because of this. They refuse to help me.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I notified Citibank of 8 fraudulent credit card charges on my XXXX statement as soon as I received the statement. The charges were clustered over a two-day period from stores/malls I've never shopped at. Citibank never investigated the charges with the merchants to compare signatures on receipts, looked at the pattern of unusual account activity or otherwise conducted a reasonable investigation. Instead, they told me on the phone that since the credit card was in my possession, " I must have made the purchases. '' Even though I appealed their decision, without it being resolved, Citibank sent me a letter ( first time I received anything in writing ) threatening me with an adverse credit report if I didn't pay the full amount due. I am a XXXX  citizen ( age XXXX ) and the intimidation has caused me great distress. I never authorized these fraudulent charges and request your assistance in having Citibank reverse these charges.
Consumer complaint received 2019-06-25
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)

We just closed on a VA Mortgage loan ( $ XXXX ) with XXXX XXXX  XXXX on XXXX XX/XX/2019 who immediately transferred our loan to XXXX XXXX XXXX ( XXXX XXXX ), see attachments. We were notified about this transfer via letter from XXXX XXXX on XXXX XXXX and XXXX XXXX also provided evidence of the servicing transfer. Around the exact same time, we started receiving vague notices from XXXX XXXX XXXX XXXX ( based in XXXX XXXX or XXXX ),  without them ever being mentioned by XXXX XXXX  our original servicer, which made our new homeownership a little confusing on who to pay. However, I contacted XXXX and XXXX XXXX to confirm the account transfer and set-up. I also contacted XXXX to understand why they were sending me billing notifications, all of which at first alluded to an incomplete loan number/account. When you call their primary customer service number ( XXXX ), their automated system is surprisingly sophisticated and it continuously asks for an account number ( which I don't fully have per their correspondence ) or your for your Social Security number. The latter I did not provide. After about 10-15 minutes of the system routing you in circles, you finally get transferred to a half-asleep, unprofessional attendant that asks for the same info. The only information I provided was an address and she stated I did not have an account. 

But my real problem is that XXXX XXXX XXXX has posted a duplicate mortgage for an outstanding amount of $ XXXX on my credit report and continues to send me fraudulent billing notifications. I need immediate help to resolve this problem and fix my credit report before they destroy my score. 

Info : XXXX XXXX XXXX XXXX, sub servicing by XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Collections ( XXXX ) XXXX Other agent number ( XXXX ) XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-09
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)

Re : Previous CFPB complaint not investigated XXXX There is multiple instances of fraud throughout this finance contract. I have made multiple complaints for the issues that never have been addressed. I have yet to receive results of the investigation into the insurance fraud and late payment statuses being reported by multiple companies that furnish information for this account. This company is reporting under the alias of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Each time I request an investigation into an issue with one company they change their name and never update the original creditor on my reports. I am demanding that this account be removed immediately for the multiple violations of inaccuracy on my reports. I am demanding that they cease and desist with their collection actions until this issue is resolved. According to the CFPB they are to remove this fraudulent account from my report.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon checking my credit report I have discovered, I have a fraudulent account that is reported on it, the account in question is XXXXXXXX XXXX with the account number XXXX, this account is fraudulent I have never opened such account in my name. This account is associated with a fraudulent address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this fraudulent information as its fraudulent and not true.
Consumer complaint received 2019-06-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Working with Shellpoint Mortgage Company on a loan modification since XX/XX/2019. 
The loan modification was denied on XX/XX/19, but in the loan modification denial letter it states I have until XX/XX/19 to submit an appeal letter. 
The appeal letter was submitted on XX/XX/19 to Shellpoint Mortgage loss mitigation department. 
Received two certified letters from USPS today XX/XX/19. The certified letters were dated XX/XX/19. Attached to the letters were Foreclosure filings with the County of XXXX on XX/XX/19 @ XXXX XXXX with fees of {$100.00}. 

How can this be when the loan modification appeal is not completed and I submitted the appeal before the XX/XX/19 deadline?
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2023-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

In XX/XX/2022, our mortgage servicing company, Specialized Loan Servicing ( SLS ) withdrew {$1700.00} from our escrow account. These funds were supposed to be transferred to XXXX ( our insurance company ) to pay for our homeowner 's insurance. Instead, SLS wrongly disbursed these funds into the bank account of a third party who is not affiliated with XXXX. Since XXXX did not receive these funds, we had to pay XXXX out of pocket in the meantime. 


Because SLS lost our {$1700.00} through their own negligence, we have asked SLS to refund these funds to our account. Despite repeated and exhaustive efforts on our part -- including at least 9 documented good-faith attempts to reach out to SLS over the past 7 months -- SLS has repeatedly refused to address our complaint and issue a refund. We believe their customer service has been willfully misinterpreting our complaint in order to avoid having to pay for their error. 


We are asking that the CFPB assist us in securing a refund, to our escrow account, of the {$1700.00} that SLS lost by disbursing to the wrong party. Since we have exhausted other avenues of outreach to SLS, we would greatly appreciate your assistance with this matter. 


We have attached copies of our recent correspondence with SLS, which details the extensive ( and unsuccessful ) outreach attempts. As you can see, SLS insists their check was deposited -- which is not in dispute -- and ignores the crux of the matter, which is that their check was deposited into the wrong account, causing us to lose the funds.
Consumer complaint received 2024-06-09
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. (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 Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX and 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 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 2019-06-24
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. (TN)

I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in regards to me being a victim of identity theft. I was first given the run around about my documents then was told you call in 7 dats to have this items removed immediately. I contacted Equifax on XX/XX/XXXX to confirm receipt and get issue resolved but the rep told me it would take 30 days. I initially filed the dispute on XX/XX/XXXX and uploaded my docs on XX/XX/XXXX. The rep stated the system open another dispute so now I have to wait until XX/XX/XXXX for the dispute to be resolved. This is ridiculous! I sent in my documents and provided my confirmation # XXXX which was my first and only dispute. Equifax needs to honor my original dispute and not try to push my dispute back another 30 days due to system error. The rep XXXX stayed she sees the documents but can not add them to the initial dispute even though she sees I added the correct confirmation #. This issue needs to be resolved immediately.
Consumer complaint received 2024-07-11
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 investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX