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

I am writing to dispute several hard inquiries that appear on my XXXXEquifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : 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 ( properly deleted on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I already sent a couple of complaints through CFPB, and Equifax responded by only deleting one inquiry ( there were 5 total, see above ). Please delete the other 4 immediately or I will take legal action against Equifax in the next step.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. XXXX, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-04-25
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: NAVY FEDERAL CREDIT UNION (FL)

In XXXX of XXXX I contact Navy of fraudulent charges made on my credit card that I didnt notice until I was reviewing my statements for each month for tax purposes and was able to scrutinize my bill and observed charges made on my account XX/XX/XXXX estimated of XXXX total by a company called XXXX XXXX. I reported it to Navy federal once observation was made.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In the year XXXX, I received a 1099 from XXXX  XXXX XXXX in the amount of {$3900.00}. ( See attachment below ). 

In the year XXXX, I also received another 1099 from XXXX  XXXX XXXX in the amount of XXXX. ( See attachment below ). 

I have paid taxes on these INCOME ( s ). Therefore, this was not a " charge-off, '' but actually INCOME since I received 1099 's for them AND i paid taxes on those income ( s ). Accordingly, by law, this should be removed from my credit report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Filed dispute with Chex Systems about denial reason on Adverse Action Letter from XXXX XXXX XXXX XXXX in regards to opening an Deposit Account and cited the reasons given. 
I want to the information to be verified and I want to know the method of verification. 
Previous complaint XXXX response was not sufficient.
Consumer complaint received 2024-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Stay at XXXX XXXX XXXX XXXX in XXXX, XXXX. XXXX XXXX XXXX-manager was suppose refund half of the amount paid ( refund {$130.00} ). The hotel was in shambles. Under construction. There was no parking. No place load and undload your luggage from the car. Spoke with XXXX on XX/XX/XXXX and said he would take care of it. Called Capital One on XX/XX/XXXX and XX/XX/XXXX and said it was taken care of, to get the refund of {$130.00}. Email form XXXX to Capital One was sent. Never received the refund from Capital One.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the year XXXX, I received a 1099 from XXXX XXXX XXXXXXXX in the amount of {$3900.00}. ( See attachment below ). 

In the year XXXX, I also received another 1099 from XXXX XXXX XXXXXXXX in the amount of XXXX. ( See attachment below ). 

I have paid taxes on these INCOME ( s ). Therefore, this was not a " charge-off, '' but actually INCOME since I received 1099 's for them AND i paid taxes on those income ( s ). Accordingly, by law, this should be removed from my credit report.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I DONT THINK THAT THE COMPANY REALLY READ MY DISPUTE ALONG WITH THE ATTACHED INACCURATE CREDIT REPORT SHOWING THE INACCURACIES. LETS TRY AGAIN. PLEASE REVIEW MY ATTACHMENTS For the past 24 months i have submitted certified letter dispute pointing out to the company XXXX FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXX XXXX # XXXX REFORTING TWICE iTEM XXXX XXXX # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? XXXX. How can you say you call the company and verified reporting inaccurate information? XXXX. How can you close the same account twice at the same time on a credit report? Item # XXXX XXXX XXXX XXXX XXXX  # XXXX I have never have an account or done business with XXXX XXXX XXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.
Consumer complaint received 2024-07-26
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. (NC)

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 3rd party. They in fact did not come from a 3rd 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 2023-07-21
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (WA)

Attached are the cease and desist letters, certified mail receipts, and USPS tracking which shows Midland Credit Management has received our request to remove our address from this debt and that it is not ours. In the most recent complaint response, the firm still did not indicate that the matter was dismissed nor that collection activities would stop as demanded in our multiple cease and desist to Midland Credit Management. It is clear they are not communicating to Midland Credit Management, or Midland Credit Management did not provide them these letters as demanded. 

XXXX, XXXX, & XXXX XXXX have threatened and opened lawsuits for a persons debt that does not belong to us. On XX/XX/year> we rejected a summons which we can only assume is a lawsuit. The debt for XXXX XXXX XXXX is not ours, not tied to either my social nor my husbands. Weve informed their debt collection agency, Midland Credit Management, of this over certified mail multiple times.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/year> I requested a detailed summary of the investigation conducted on my credit reports reporting inaccurate and fraudulent information. I have not received any detailed information on the process conducted to verify these accounts. The original auto loan account XXXX XXXX XXXX # XXXX has been deleted, however the collection account that stems from that loan still shows on my credit report as XXXX XXXX XXXX, XXXX # XXXX. After carefully reviewing my credit report I noticed that the account listed is inaccurate and does not belong to me. I did not authorize anyone to furnish this account. The open date, date last active, date of last payment are showing inconsistently between all three credit bureaus and furnish information that does not belong to me. The Fair Credit Reporting Act Section 1681c-1 states that a fraudulent account must be deleted after the consumer verifies their identity, also the Fair Credit Reporting Act Section 1681e ( b ) states that if information is inaccurate then it must be deleted. I am requesting a detailed summary of the investigation that was conducted once again. I have attached my credit report and as you can see nothing has been updated or deleted the account is still inaccurate and fraudulent. I have also attached an identity theft report from the FTC. I want this fraudulent account deleted immediately.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (TX)

I, did not give consent for American Coradius International LLC to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose. I have never done business with American Coradius International LLC and have no obligation to them. I deny any and all claims and refuse to pay such alleged debt.
Consumer complaint received 2024-09-10
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 have filed complaints with the XXXX bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and credit XXXX
Consumer complaint received 2024-04-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Credit card was charged {$250.00} at a merchant called XXXX in XXXX. I filed a police report with XXXX # XXXX in XXXX XXXX Fl. Then filed a claim with Bank of America and told them of a police report being filed, then called the vendor to gain any information. A man came with a party of XXXX people and placed my Credit Card and address for his booking. Placing his phone number and name of XXXX XXXX. On XX/XX/year> I recieved an email stating my claim has found me at fault.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request an investigation following information on my XXXXTransUnion credut report. 

XXXX XXXX XXXX Balance {$130.00} Balance updated XX/XX/2024 XXXX I paid the account in full, and it should no longer appear on my credit report. I am the victim of identity theft, and I did not open this account. The creditor misreported my account, and all my payments are current and were paid in full. I moved out of this apartment over a year now. 

Please let me know if any additional information is necessary to remove this from my credit reports. 
Thank you
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (FL)

For many years now I have been asking credit bureaus and collection agencies to provide proof that these fraud accounts belong to me and asking both credit bureaus and collection to remove these fraud accounts from my credit reports and nothing has been done. I submitted a police report several times in the best still nothing has been done to assist me. I have gotten letters from credit bureaus indicating my personal information from XXXX, XXXX, XXXX XXXX XXXX, XXXX and other companies stating my information, data, and identity was exposed in data breaches and is on the dark web. This is not fair not right that I keep asking both credit bureaus and collection to delete, remove these fraud account to clear fraud accounts and nothing is being done. This has been ongoing since 2014, and I have put Fraud alerts on my files and still my identity is being used and continuously exposed.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Throughout, I've made sure payments on this account are always on time, avoiding any overdue situations. I'm unsure why there are reports of late payments on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC (UT)

United Wholesale Mortgage ( UWM ) failed to notify and transfer related documentation to Mortgage Assistance when my loan was transferred to XXXX XXXX, a new mortgage servicer. This action is causing a significant delay in mortgage assistance from the new servicer. Documentation that was already provided to United Wholesale Mortgage through loansolutioncenter.com was again never provided to XXXX XXXX. 

I began seeking assistance with my mortgage on XX/XX/year>, with UWM. The process started, but I was told it could take up to 30 days to process. The mortgage assistance application was never transferred when the loan was transferred ( I had no notification from XXXX XXXX ). Please refer to the attached screenshot, as it shows underwriting is reviewing my application with XXXX XXXX for mortgage assistance only after manually submitting all documentation with XXXX XXXX that was initially given to UWM. 

Loan # for UWM : XXXX Loan # for XXXX XXXX : XXXX UWM 's failure to transfer my mortgage to a new servicer appropriately, meaning all documentation, including mortgage assistance, was not filed, which has resulted in further delays in my seeking assistance and potential fees ( such as late payment and other associated fees with XXXX XXXX ). 

Background context about me personally : I was laid off on XX/XX/year>, resulting in an inability to pay XXXX 's mortgage payment as I'm still job searching. I followed up with the mortgage company to communicate that I was laid off and wanted to start mortgage assistance proceedings during the second week of XX/XX/year>.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # 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 or consent.