davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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. (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 2024-05-25
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$370000.00}
Consumer complaint received 2024-05-25
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. (NJ)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is my NUMEROUS 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 following items. 

XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was overseas and my card was fraudulently charged for {$400.00} and {$89.00}. Once I saw the charges, I tried to file a dispute, but CapitalOne does not allow online disputes and wanted me to call their XXXX customer service number. As I was overseas, I couldn't call the customer service number. I promptly called the number and filed the dispute. CapitalOne removed the charged and put it back in the on the same day. I then called them and was told since the card was tapped to pay, the wouldnt investigate it any further. The customer service agent XXXX with employee number XXXX whom I a spoke with on XX/XX/2023 XXXX XXXX  XXXX refused to help me or to transfer me to a XXXX. I have never been to the restaurant that is showing up on the transaction. I tried everything with CapitalOne. The only way they will help me is if I provide evidence, which I am not sure how to prove a negative. I asked them what evidence would I have to gather to prove and they wont give me a hint as to what they need. Please help.
Consumer complaint received 2023-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

XX/XX/XXXX Hello I am requesting an investigation into this inaccurate reporting to XXXX and XXXX by XXXX XXXX XXXX who has sold the debt to Enhanced Recovery Collections. In addition, please investigate why they did not fulfill their agreement for payment to delete all my credit reports after they received payment. 
It can also be XXXX, here is the reported collection on my credit report. 
See attached letter for evidence of reported collection on my credit report. 
This is the information to reach Enhanced Recovery Corporation ( ERC ) Debt Collection Phone : XXXX ( Call this number to contact ERC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXXXXXX Email/Contact : Contact Enhanced Recovery Corporation ( ERC ) using the form located on this page : http : //www.ercbpo.com/contact/ Website : www.ercbpo.com This collection was paid with the commitment by XXXX XXXX XXXX  to remove the collection from my credit report with all three credit bureaus and they failed to follow through with the commitment. They only removed it from one credit bureau XXXX ( See above ). They were responsible for removing from all credit bureaus and they did not. Please investigate. 

This is the specific account evidence I have to prove my payment to XXXX XXXX XXXX : On XX/XX/XXXX, I paid {$400.00} with a credit card ending in XXXX to have them remove this collection from all three credit bureaus. The confirmation of this transaction and agreement is XXXX Attached is a snippet of the payment from my XXXX XXXX Account, it cleared on XX/XX/XXXX from my bank. 

I paid this to XXXX XXXX XXXX, and they still sold it to Enhance Recovery and is still listed on my credit report for XXXX and XXXX. ( See above ) I would like to have this investigated immediately and removed from all three credit bureaus immediately. 
They agreed that with payment, they would delete the debt from my credit report on ALL THREE CREDIT BUREAUS. 
Please look into this matter as soon as possible. 
Thank you for your time. 
XXXX XXXX XXXX SS # ending XXXX
Consumer complaint received 2024-05-25
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

Regarding Transaction/Confirmation Code # XXXX I sent the sum of {$71.00} money on XX/XX/2023, to a family member in XXXX that lost his son ( Confirmation Code # : XXXX ). 
The money has not been received by the family, instead I keep getting messages from WorldRemit automation that your transfer is delayed and that we will provide an update within the next XXXX hours. This has been ongoing for the past 20 days. 
I have called WorldRemits call center 6 times and unfortunately each time I have waited on the phone for an average of about 60 minutes to 90 minutes to speak to somebody. Each time, I am told by their customer representative that it is a technical issue. Each time, I have requested for them to send back my money to me. I have also written a formal letter on XX/XX/2023 to their XXXX office, requesting for my refund. They still have not refunded my money back to me, instead I keep getting the run around. 
As a customer for more than 8 years to 10 years in good standing, this is not how to treat a loyal customer. 
At this time, I will appreciate it, if your agency can intervene with this issue and urge WorldRemit to refund my {$71.00} back to me, so I can make alternative arrangement to send the money to the bereaved family. 

Thanks, and take care. 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (NV)

Two years ago I signed up for the " Bi-Weekly '' Payment process to reduce interest over the life of the mortgage loan. Rocket Mortgage said it would hold the first payment and apply it with the second payment until I got one full payment ahead. That would take a year of these payments. Then they would start applying the payment every 2week. In the past two years they have still held the payment until the second payment is received. They have also changed there website ( XXXX ) stating they will always hold the payment until full payment is received. Yet they still advertise and use key words such as " Biweekly payment '' to lure people into paying every two weeks. When in fact this is still a monthly payment, with an extra payment at the end of the year. They are deceiving customers ( XXXX XXXX XXXX XXXX Website is the updated site still advertising as Biweekly payments when in fact, effectively, it is monthly payments with an extra payment at end of year. 
They also will not allow me to schedule a second " principal '' payment of {$120.00} every two weeks to reduce interest over the life of the mortgage. They state I need to once a month make a one time payment. 
They have arranged their entire payment process to provide misleading information and discourage customers from paying early to reduce interest over the life of the loan.
Consumer complaint received 2024-05-25
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)

According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.
Consumer complaint received 2024-05-25
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. (OH)

THI ISNT A REQUEST TO VERIFY OR VALIDATE ANY INFORM. My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2024-02-16
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. (NY)

I looked at my credit report I noticed some things that are incomplete and not accurate. I had already told/sent letters to all 3 bureaus about this yet they have not done anything the investigation is completed and still the items remain I feel like a victim of the system now that I am learning about the credit bureau 's ways and how they make money off us, so I figured its in the best interest to use my info however they want to. but I learned according to the Fair Credit Reporting Act Whenever a consumer-reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate, According to 15 USC 1681s-2 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 2024-05-25
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. (MD)

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ), on XXXX its ( XX/XX/XXXX ), and on Equifax its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account Number XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 me 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 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 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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-05-25
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. (NE)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-24
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

For nearly a year I have been unable to access my TransUnion credit report and score online through my TransUnion service center or process online disputes. This has not affected my ability to log in, but it has affected my ability to get my consumer report, my credit score, and submit an online dispute including my needed XXXX XXXX  dispute online. I have tried to resolve the matter with TransUnion via email, text message, online chat, and phone call. TransUnion has showed bad faith and maliciously prevented me from accessing this impertinent information and resolving this error, by giving me the run around, promising to have a supervisor call or email me back and then never doing so having me submit the request through several methods, online, via phone, then transferring me to another department and then hanging up on me, ignoring my text messages, refusing to email me as required by the debt bondage act and my XXXX reasonable accommodation. This has been done in bad faith and maliciously to cause me to not be able to submit another dispute online. This is a direct violation of my rights and protections. I have requested you to fix this error multiple times and they have not. This is in violation of my rights and is causing me substantial harm. Its important to consider that as a result of this error going unresolved, the XXXX  - related information remains on my credit file which also violates my rights and exacerbates the XXXX  and harm that Transunion has inflicted on me and my family.