davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I reached out the courts about the bankruptcies reporting on my credit file.I was told by the courts they do not provide this information to the credit bureaus .I would like this information deleted from my credit reports asap the case numbers are below. 

Date filed XX/XX/XXXX Bankruptcy disposition XXXX FILED Liabilities Individual/Joint Individual Current disposition date Exempt amount Case number XXXX Date reported XX/XX/XXXX Court number/name XXXX Individual/Business Individual Asset amount Date verified Prior disposition Unknown Date filed XX/XX/XXXX Bankruptcy disposition XXXX XXXXXXXX Liabilities Individual/Joint Individual Current disposition date XX/XX/XXXX Exempt amount Comments Consumer Disputes Reinvestigation In Progress Case number XXXX Date reported XX/XX/XXXX Court number/name XXXX Individual/Business Individual Asset amount Date verified Prior disposition XXXX FILED Date filed XX/XX/XXXX Bankruptcy disposition XXXX XXXX XXXX Individual/Joint Individual Current disposition date XX/XX/XXXX Exempt amount Comments Consumer Disputes Reinvestigation In Progress Case number XXXX Date reported XX/XX/XXXX Court number/namXXXX XXXX Individual/Business Individual Asset amount Date verified Prior disposition XXXX FILED Date filed XX/XX/XXXX Bankruptcy disposition XXXX XXXXXXXX Liabilities Individual/Joint Individual Current disposition date XX/XX/XXXX Exempt amount Comments Consumer Disputes Reinvestigation In Progress Case number XXXX Date reported XX/XX/XXXX Court number/name XXXX Individual/Business Individual Asset amount Date verified Prior disposition XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but XXXX separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when XXXX  had a data breach
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-17
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. (PA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on. 
XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situatio
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

I had submitted my Financial Hardship Paperwork to my mortgage company, Selene Finance LP in XX/XX/2023. My husband and I were both temporarily laid off until XX/XX/2023 and explained this in our documents that we supplied to Selene Finance. Despite their written and verbal confirmation of receiving our documents for the Covid-19 Forbearance, they have refused to work with us, refused to process the forbearance, and stated multiple times that they are not required to process the Forbearance under Covid-19, despite the fact that our financial hardship is directly related to loss of income from Covid-19 as well as the fact that the paperwork we submitted to them was during the Covid-19 National Emergency, while it was and still is in place. In addition, Selene Finance has been reporting our late payments as delinquencies to all the credit bureaus, XXXX, XXXX and XXXX, resulting in severely damaging credit scores. We have been yelled at by Selene Finance LP employees for months without any resolution.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NJ)

Previously I received a bill from XXXX stating I owed them money. I contacted XXXX by phone around two years ago when I received the first bill. They told me they were going to resolve, take the bill away and they will get in contact with me. Today, after two years I received a collection bill from EOS CCA Collection Agency ( XXXX ) stating I owed {$310.00}. I want to leave this clear, I NEVER HAD A XXXX ACCOUNT. I live in a XXXX community for more than 5 years and where they don't offer XXXX XXXX Today XX/XX/2023 was researching and signed into the collection agency page www.eos-cca.com and It shows that account number does not exist ( copy enclosed ) Are they trying to get money or what.
Consumer complaint received 2024-02-01
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-06-16
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 (OH)

Account holder has control over positive pay of which is a fraud protection service that allows account owner to manually write checks through the banking system while not experiencing any delays or encumbrances. My account is being tampered within the bank but by 3rd party individuals who work remotely from home. The checks that were manually issued by maker are being unissued by the bank and put through as needing approval after the check has cleared the system. This causes excessive return fees.
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK (CA)

2019 I spoke with a representative that persuaded me into enrolling in Freedom Debt Relief ( FDR ) program for my XXXX cc and loan debt. The rep failed to inform me at the time of enrollment that one deposit modification could cause a settlement to fall off back into negation or null. He did not explain so that I would understand the ramifications of a small modification in deposit. Once there was a modification, FDR took more than XXXX in fees with no settlement outcome. They saved themselves by making a payment and then took thousands from me. They misled me and persuaded me into signing up for a program with the talk of getting out of debt in 3 years for half the price. They did not inform me in a understandable and clear way about their huge fees and the consequences of deposit modifications. They misled me and took advantage of my uneducated understanding of the Debt settlement industry. I was vulnable and desperate at the time and I felt like they took advantage of me, making me fall more into Debt and in a worse financial situation than before.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (CA)

The issues is with golden sach bank Aka apple credit card I submitted a payment for {$1000.00} from my escrow account the check was cut on XX/XX/ and they cash it on XXXX the XXXX but had yet to post to my account I reached out to customer service 5 times still no resolve I have also sent screen shots of the check with the check number still no status update I contacted them again today they said I have to wait 10 busiensss days this is affecting my being able to close on my house this account has to be brought to a XXXX Balance customer service keeps giving me the run around I need your help please and thank you
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NY)

Your company is in violation of my consumer rights You are attempting to collect a debt. 

Please provide a wet ink signature between you and me. 

Under 15 usc 1692cXXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 

15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hindered my ability to obtain credit.

Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CL Holdings LLC (FL)

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).
Consumer complaint received 2024-02-01
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. (IL)

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 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (NV)

They are reporting to the credit company I have this debt. I have reach out by laters and phone and toad them on several occasions for years this is not my debt. I never sign or had any agreement with them about this debt. I does not know this debt company this is false information that I need to be removed
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (TX)

Equifax, XXXX, and XXXX are not investigating disputes. I have submitted Police report, FTC identity theft report, showing that accounts and inquiries don't belong to me and that my information was leaked in the Equifax Breach and they fail to remove fraudulent information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 


Equifax announced that it had breached the data of approximately XXXX XXXX XXXX consumers. ( names, addresses, dates of birth, Social Security numbers, and drivers ' licenses numbers were exposed. )
Consumer complaint received 2024-05-08
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. (PR)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Albert Corporation (TX)

Now I originally signed up for Albert over 3 years with a credit union account that I had also linked to it. Not long after that I ran into problems with that account where funds were pulled out of tat account when I didn't have them after notifying the company that was going to charge my account for a little more time causing it to go into negative to where I could not bring said account back to positive or out of negative balance. I then let it go which was closed and never signed onto Albert again after that. Recently a friend who I haven't spoke to in over a year sends me XXXX $ out of the blue and when I logged into the app I see that it was sent to that closed account and I have no way of getting it removed. I've spoken to customer service and was told to call the credit union and ask for statement which I did only to be told that they will not provide any statements to prove that account is mine until the negative balance is settled. After returning back to the customer service chat they then kept running me around with different solutions that I have already either tried or have no way of completing any of those solutions. They have had me waiting for 3 days now for one more solution which I personally think they are not going to do anything for me in getting back that money and are just stalling.