davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

On the date below I sent all three Major Credit Bureaus the following letter to verify my account information, of which they all responded stating that the information they had on file had been investigated and verified. Information inmy credit filed could not have been investigated nor verified if one or more bureaus have conflicting opening dates and credit limits or other data incorrectly documented. 

None of the Credit Bureaus sent any information detailing or proving an investigation had been properly conducted. Especially and specifically with the following ( 2 ) accounts, XXXX Validate Account XXXX XXXX, XXXX Validate AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 


Thank You, XXXX 15 U.S. Code 1681i Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint against Equifax XXXX and XXXX and all other parities involved I am writing to dispute inaccurate information on my credit report. I found discrepancies in the following accounts and request an investigation and removal : XXXX / XXXX ( XXXX ) Account : XXXX Dispute : {$0.00} balance but still open. Inactive since XX/XX/XXXX. Please mark as closed. 
XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : {$0.00} balance, yet still open. XXXX reported high credit. Please close and correct. 
XXXX XXXX  XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : {$0.00} balance but reported as open. Varying last activity dates. Please close. 
XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : Reported as closed with no balance, but shows a conflicting XXXX late payment. Please update status. 
XXXX ( Equifax ) Account : XXXX Dispute : Opened XX/XX/XXXX, but last activity listed as XX/XX/XXXX. Reported XXXX  days late despite being a collection account. Please remove. 
XXXX XXXX  ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : Charged off, sold to another lender, but still listed. Please remove. 
XXXX XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : Charged off, sold to XXXX  XXXX XXXX , yet appears as an open collection/charge-off. Please remove. 
XXXX XXXX XXXX ( XXXX, Equifax ) Account : XXXX Dispute : {$220.00} balance, reported as charge-off. Opened in XX/XX/XXXX, rapid payment status deterioration. Please review and remove. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX, XXXX ) Account : XXXX Dispute : Inconsistent last activity date and payment status. Please remove. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX, Equifax ) Account : XXXX Dispute : Reported as a collection with unclear balance and last activity date. Please remove.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX account # XXXXXXXX  is not mine I sent a dispute in and there not blocking it per the FCRA 605b I will be sending in a XXXX XXXX police report & FTC report, would like cfpb to get transunion to dispute this I tried to dispute this again and they just close my disputes after 5 days
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion has updated my mortgage history ( thank you ) but failed to return my credit score to its former XXXX. 
TransUnion your agency " views '' my credit each month ( credit report soft pulls ) thus " we '' are both aware that I ( consumer ) am " financially stable '' to pay off my high debt ( mortgage ) in advance. My XXXX ratio is 2.04 % ( {$81000.00} gross income ) TransUnion your agency " views '' my high credit monthly credit card payoffs $ XXXX histories ) thus my credit utilization is 0 %. 
TransUnion, your agency and I ( consumer ) are " both '' aware that if I ( consumer ) pay off my mortgage and remove my credit card, my credit score would fall into chaos despite my XXXX plus years of positive credit history. I adjure TransUnion to please return my credit score to its original XXXX. XXXX is " not '' an acceptable score from XXXX!
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I made PayPal transactions to pay an investor rent and he then required me to submit certified funds as he claimed PayPal removed them from my account. At the time I started the charge back of XXXX transaction and they account was closed for my safety however I then reached out to PayPal for the refund and they refused a long back and forth happen causing the time to dispute pass. After years of back and forth and no relationship with the bank I am lost on what to do. 

PayPal account XXXX XXXX
Consumer complaint received 2024-08-29
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. (SC)

In accordance with the Fair Credit Reporting act convergent account name XXXX XXXXXXXX, account number 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 a account without my written instruction.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (CA)

In accordance with the fair credit reporting act thus creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I XXXX XXXX XXXX reviewed my credit report and noticed several accounts and addresses that are reporting in my account inaccurate. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$180.00} Inquiries Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date XXXX XX/XX/XXXX Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XXXX XXXX Name : XXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX  XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  Date XXXX XX/XX/XXXX Inaccurate addresses reporting on my credit report are XXXX XXXXXXXX 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
Consumer complaint received 2024-01-08
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)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

My name XXXX XXXX is under XXXX different social security numbers. The one I was given after birth shows as invalid or incorrect. The social that is incorrect is XXXX digit off and shows all of my addresses emails cars etc., it has hindered me from building credit as I get approved for a secured credit card and it gets marked as fraud because it comes back as fraud with my real social. I have reported this to XXXX XXXX and with you before and nothing is done. Social security cant help because they cant run a social security number that I do not have a card for but theres a number that has all of my information that is not mine.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I opened a Money Market account and a checking account with Huntington Bank in XXXX due to their advertised promotions which were very incentivizing. The promised interest rate of XXXX percent in the money market for XXXX year was NOT upheld. I caught the error. It took many calls and visits to the bank ( manger XXXX XXXX ) to get this corrected. As a way to make up for the grotesque error, Huntington ( XXXX XXXX stated they would keep that interest rate at XXXX percent until early XXXX of XXXX. Early this summer of XXXX, I noticed I was NOT earning the promised interest rate of XXXX percent. I immediately moved my money to XXXX bank because of this and I made phone calls to Huntington as well as sent an email to XXXX XXXX. I had one call with XXXX XXXX who denied stating they would keep the promised interest rate at XXXX percent and the call ended. I rec 'd XXXX phone call from a high level manager ( female ) in XXXX who stated the bank would be placing XXXX some dollars in my account for the obvious error. Nothing happened. I have since made numerous calls and even stopped by a different brance on XX/XX/XXXX where I was promised a call that day by a high level manager. When that did not happen, I phoned the toll free number of the bank on XXXX band spoke with a man named XXXX XXXX who is currently investigating again.
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. (OH)

This account does not belong too me. This account belongs too my sister XXXX XXXX XXXX I reside at the same address for XXXX  years now and can provide proof and documentation .This account needs to be removed immediately before I seek legal action.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with ( XXXX, XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (MI)

There are loans from other states and places that I've never used or ever thought about using is popping up on my credit report but I'm not the one making these account like all state, XXXXXXXX XXXX popped up twice it's causing me not to be able to open up bank accounts I have check fraud also and It's not me
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. ()

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I was enrolled in an online degree program for my XXXX in XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. The program was through XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), in which their XXXX program was provided by a separate school named XXXX XXXX On XX/XX/XXXX the XXXX XXXX XXXX sent out a letter withdrawing accreditation from XXXXXXXX XXXX On XX/XX/XXXX XXXXXXXX XXXX was officially closed permanently. When the school lost accreditation, I was enrolled in the XXXXXXXX XXXX XXXX and did not complete it due to this action. I did not enroll in a teach out program. I did not withdraw from the program. I did not have any sort of leave of absence during this time. I also did not enroll in another school to finish this program. According to the XXXX Department of Education, I qualify for my government and private loans to be XXXX by Navient, but they have declined my application twice, stating " The school to which your loans were disbursed hasnt been reported by the XXXX Department of Education as being closed. '' I've supply documents from XXXX and the XXXX XXXX XXXX stating these facts in which they still denied my request.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

On my credit report is says I have remark codes on every thing. I havent been late on any payments I havent filed bankruptcy or anything. I dont understand. It made my score go down XXXX points and Im trying to buy a home
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. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have asked all XXXX credit bureaus to investigate account XXXX # XXXX because I noticed multiple inaccuracies on the account. They all responded and said there was no changes needed. I asked for a re-investigation, where XXXX deleted the account due to the inaccuracies but XXXX and equifax have both just updated the accounts. I then created another dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. XXXX and equifax simply updated the account, by changing the payment history to not showing the charge offs. The information is still inaccurate when pulling my credit report, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off XXXX time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly investigate. I am demanding an immediate deletion of this account.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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.