davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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. (AZ)

Subject : Formal Dispute Regarding Inaccurate Credit Report Information To all, I am writing to formally dispute an inaccurate account listed on my credit report. The account number in question is XXXX. XXXX  XXXX. I have no knowledge of opening or using this account with XXXX XXXX. This fraudulent account. 

Despite my repeated disputes throughout the past years, I have not received any verifiable information from the data furnisher confirming the legitimacy of this account. This lack of transparency and verification is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( A ) ( 5 ). The FCRA mandates that credit reporting agencies investigate disputes within a reasonable timeframe and provide verification of disputed information. 

XXXX XXXX : PLEASE INFORM US ABOUT THIS ACCOUNT TO BE VALID ON YOUR END SINCE YOU ARE THE ONE REPORTING THIS TO THE CREDIT BUREAU. BECAUSE THE CREDIT BUREAU MAKES MONEY OUT OF THIS AND DO NOT TAKE INDIVIDUAL PERSONAL INFORMATION SERIOUS THEY ARE REPORTING THIS AS VERIFIED. 

I assert, under penalty of perjury, that this account does not belong to me. I request the immediate removal of this fraudulent account from my credit report. The police report was sent over to your office ; however, you have failed to acknowledge that. Furthermore, I demand that XXXX XXXX, as the data furnisher, and XXXX provide any and all documentation used to verify this account as mine. This includes, but is not limited to, signature, ID, proof of address, and employment record at the time. Without such verification, the account remains demonstrably inaccurate and must be removed immediately. 

Additionally, the credit report fails to display a last payment date for this account after the charge off which shows PAID/ WRITTEN OFF. This omission creates further confusion and hinders my ability to monitor my credit accurately. 

I am frustrated by the repeated dismissal of my disputes and the lack of communication regarding the verification process. Please be advised that I will not accept a generic response stating the account has been verified. I require concrete proof that this account belongs to me before it remains on my credit report. Upload all copies of your response documents here so the Consumer Financial Protection Bureau is aware of any communication going on with your organization regarding this complaint. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution and the removal of this inaccurate information from my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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)

Recently i looked a copy of my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking you to verify as accurate Account name : XXXX XXXX XXXX number account : XXXX
Consumer complaint received 2024-05-06
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)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (CA)

I have a mortgage through XXXX Loancare. I called XX/XX/XXXX to schedule a late payment of the full amount of my loan ( {$5300.00} ) to be taken out of my account on XX/XX/XXXX. The representative scheduled the payment for XX/XX/XXXX. I called again on XX/XX/XXXX to see why my mortgage payment had not been processed and also to schedule to pay the late fee. The rep on the phone said that it can take 5-10 business days for the payment to process. He then also offered to schedule my late payment of {$190.00} dollars. I said yes and he scheduled my late payment. I checked my bank today XXXX and noticed that my loan payment had still not been taken out of my bank account but my late fee had. I called Loancare to ask why. The rep explained that their system can only process one payment a day. I told her the rep never explained that to me. If I knew that they I would have not scheduled my late fee payment of {$190.00} because it is much more important that the {$5300.00} be taken out of my account on XX/XX/XXXX. Her explanation was that " Sometimes this happens. '' I would have not known that this " sometimes happens '' if I didn't call back in and diligently check my bank account. They also stated that my payment that I scheduled on XX/XX/XXXX of {$5300.00} could not be posted for XX/XX/XXXX as I orginally scheduled it, only for today XXXX. I told them that this is not my error, this is your system error and it should be posted for XX/XX/XXXX and I should get any interest this caused back. They continued to not acknowledge this. Customers should be told that this can occur. I would have done my payments through the online portal if I knew that scheduling two pays can kick one payment out of the system.
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo Bank after my last complaint sent a letter borderline threatening that I should accept there XXXX as done. I am out so much money over this and they took my truck without a XXXX letter required by XXXX XXXXXXXX and never contacted me at all until they claimed they sold the truck which turns out to be a lie as they only sold my loan to a nother bank I was forced to file bankruptcy and was without a very much needed truck to get to XXXX and XXXX  visits my XXXX  is in XXXX XXXX. 
I live in XXXX at the time they did this. When wells fargo makes a promisse to make things right they said nothing about XXXX cents on the dollar. Thats about where it stands with out a penny of interest. Maybe I sold take a attorneys offer to sue? Even paying him it looks as though no less than XXXX. Plus he has sued you all before. Up to you.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address and rectify an issue that I have recently discovered on my credit report. After reviewing my credit history, I noticed that there are late payments inaccurately reported on my account. I understand the importance of maintaining accurate credit information, and I am seeking your assistance in correcting this discrepancy. 
Below, I have outlined the details of the late payments that I believe have been reported inaccurately : XXXX XXXX XXXX XXXX I have attached supporting documentation, such as payment receipts and bank statements, to validate that the payments in question were made on time. I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report promptly. 
I understand that maintaining accurate credit information is crucial, not only for financial transactions but also for my overall financial well-being. Therefore, I appreciate your prompt attention to this matter and request that the corrected information be reflected on my credit report as soon as possible.
Consumer complaint received 2023-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Reported XXXX XXXX as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
Consumer complaint received 2018-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Hello, my name is XXXX XXXX last year I entered a loan modification with then Nationstar Mortgage, now Mr. Cooper. 
I received a letter from the Attorney that assisted me with my Bankruptcy in XX/XX/XXXX from Mr. Cooper stating that if I was having trouble making my loan payments, when I tried to contact Mr. Cooper I received three different answers from three people whom I spoke to lastly end with a gentleman by the name of XXXX ( employee # XXXX ) and this gentleman informed me that he really couldn't speak to me regarding the mortgage because the bankruptcy attorney needed to forward a letter of release if i'm not mistaken and this letter would allow them to speak to me regarding the loan. 
But I was informed by XXXX that the months of XXXX, XXXX, XXXX, XXXX and XXXX were not paid. 
I was trying to explain to XXXX that this was an error and I have a letter from the mortgage company Dated XXXX XXXX that the mortgage was ahead and the next payment due was XX/XX/XXXX that being said I did a payment on XX/XX/XXXX in the amount of {$760.00} ( confirmation # XXXX ) which I thought would have kept current but from what I was told no at worst case I could understand them saying XXXX is still due. 
I feel that the errors should be corrected and that Mr. Cooper remove all negative information from all three of Major Credit Bureaus and I also would like to file a complaint against them for predatory lending Practices. 
in the Pdf. you will see all of the documents I make reference to but the payment made XX/XX/XXXX the confirmation number was given for reference thank you thank you XXXX XXXX
Consumer complaint received 2023-08-04
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. (AL)

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.

has violated my rights. Or 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 2024-05-06
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-06
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. (NC)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND UNAUTHORIZED BY MYSELF AND NEED TO BE REMOVED FROM MY EQUIFAX CRE F IT REPORT IMMEDIATELY. UPON THIS NOTICE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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)

I am writing to formally contest the inclusion of a fraudulent accounts in my Equifax credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Equifax report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why XXXX continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 
I hereby request a comprehensive investigation into this matter and the immediate removal of these fraudulent accounts from my Equifax credit report. The companies have confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-01-09
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. (KY)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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)

After reviewing my credit report, I was taken aback by the numerous errors in reporting that I encountered. It was truly unbelievable to witness such inaccuracies. 

I urge you to investigate and examine the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

It is imperative that you rectify these inaccuracies promptly. Otherwise, I fear that my applications for various services may be denied due to these discrepancies. I have already faced rejections from two sources. 

Please do not disregard my plea for assistance. I urgently require your intervention to ensure that the aforementioned accounts are accurately reported as being in good standing.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC, XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Account XXXX XXXX XXXX Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. So, what is it that you have to verify if you didn't contact them, you don't have anything that I've signed and no one has any proof? Please remove these accounts for failure to verify : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED The original creditor are reporting these accounts as full paid proof will be attached XXXX XXXX XXXX IS THE ORIGINAL CREDITOR
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the inquiry. 
XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in removing the accounts from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX 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