davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. (OR)

This account was marked as charged off on the date XX/XX/2022. Since then, it has consistently been reported as charged off every month. This constitutes an update in the payment history. A charged off account should NOT have an active payment history. This erroneous information inaccurately extends the statute of limitations. Despite my two requests, you have failed to properly investigate this account, resulting in a violation of my rights due to negligence. I demand the deletion of the following account details : Account Name : XXXX XXXX Account Number : XXXX XXXX
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

I purchased my home on XX/XX/XXXX with a 5 % down conventional loan. I made my first payment on XX/XX/XXXX and have never been late or missed a payment. On XX/XX/XXXX I requested, in writing, removal of PMI. I received a message on XX/XX/XXXX from my loan servicer, United Wholesale Mortgage, that I could pay an estimated fee for an appraisal or BPO and Loan to Value needs to be at 75 %. I replied on XX/XX/XXXX asking for more information as to how they are able to require a 75 % XXXX under the Homeowner Protection Act and clarity on the payment for the appraisal and BPO. I have not received any response.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX 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 XXXXXXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to dispute the removal of my account from your credit reporting database. It has come to my attention that XXXX XXXX is no longer reporting my account information to the credit bureaus, which has negatively impacted my credit profile and ability to access credit. 

My account with XXXX XXXX has been in good standing for several years and I have consistently made on-time payments in accordance with the terms of the agreement. However, I recently discovered that my account information no longer appears on my credit report, leading to a decrease in my credit score and potential difficulties in obtaining credit.

The removal of my account from the credit bureaus ' reporting system is inaccurate and unfair, as it does not accurately reflect my credit history and responsible credit management. It is essential that my account information is accurately reported to ensure a fair assessment of my creditworthiness by potential lenders and creditors.

I respectfully request that you investigate the matter and reinstate the reporting of my account with [ Company Name ] to the credit bureaus. I have attached relevant documents, such as account statements and payment history records, to support my claim and facilitate the resolution of this issue. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation once my account information has been reinstated in your credit reporting system. Please contact me if you require any further information or clarification. 

Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-11
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. (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. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report.
Consumer complaint received 2024-08-27
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. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 2024-08-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

am writing to file a complaint against Jefferson Capital Systems LLC, regarding their violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. This complaint concerns an alleged debt related to a XXXX charge-off in the amount of {$1300.00}. 

Details of the Violation : Creditor : XXXX Amount : {$1300.00} Collection Agency : Jefferson Capital Systems LLC Reference Number : XXXX Description of the Violation : Jefferson Capital Systems LLC has engaged in practices that violate USC 1692c, which outlines proper communication protocols in connection with debt collection. Specifically : They contacted me at times and locations that I have explicitly stated as inconvenient. Continued communication after being notified in writing that I refuse to pay the debt and wish for all further communication to cease. 

They disclosed information about this debt to unauthorized third parties without my consent. 

These actions are intrusive, harassing, and directly violate the federal law designed to protect consumers from abusive debt collection practices.
Consumer complaint received 2024-05-09
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. (IL)

In accordance with the Fair credit Reporting Act. These hard inquiries have hurt my credit, and violated my rights. These are the inquiries that have lowered my credit score. 

XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 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 also states that a consumer reporting agency can not furnish an account without my written permission, so these inquiries we're done illegally, because I did not give anyone permission to pull my credit.
Consumer complaint received 2024-05-09
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. (NJ)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There is a fraudulent inquiry in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXXXXXX XXXX inquiry date XX/XX/23
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-13
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. (IL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-09
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. (GA)

On XX/XX/XXXX I talked to XXXX XXXX XXXX who purchased the debt from XXXX. I did a pay to delete to resolve the account. The account is paid in full. I was promised and given a letter that the account and the XXXX account would be deleted from my credit and no longer appear as a negative mark since I paid in full. It has been over two months and they have not removed it from my credit. I have talked to them on the phone and they have stated that it should have been removed. The negative remark on my credit still shows. 


This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Original Account Number : XXXX Seller : XXXX XXXX XXXX XXXX : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : Thank you for your assistance in resolving this account. Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been settled. 

Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. XXXX XXXX XXXX, XXXX can not control how fast the credit reporting agencies process requests. 

*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 

If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are Mon. to Thurs. XXXX - XXXX, XXXX XXXX - XXXX, Sat. XXXX - XXXX, Sun. XXXX - XXXX ( ET ). 

Thank you for resolving this account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-07-11
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. (GA)

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

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

15 U. S. C. 1681C. ( a ) ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Department of treasury placed a public record onto my Equifax credit report due to a collection of {$300.00}. As of 2018, public records are no longer included into your Credit report. Please remove this public record from my Equifax credit report.
Consumer complaint received 2023-07-11
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened my account with Citizens Bank approximately XXXX month ago. Everything was going fine. Then today, I received XXXX emails in rapid succession. The first told me that an external transfer that I scheduled was being cancelled. The second told me my access to all transfers had been stopped. Finally, I was told that my online banking had been cut off. I called and after XXXX minutes on hold I was informed by the agent that my account was being closed, though she refused to give a reason why. I know of no reason it should be closed, I used my debit card and had direct deposit setup. As concerning, the {$1800.00} transfer I had made has not yet been reversed and deposited back into my account. I have no idea how to get my money back. This is a XXXX check which makes the money important. The transfer was cancelled but the money has not been placed back into my account yet. Further, I have no idea how to get the money when it is placed back into the account.