davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
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. (IL)

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 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 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. 16815-2 ( 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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I filed a report with the XXXX XXXX XXXX for this account ( complaint # XXXX ). It was originally a XXXX account which was not mine. The account eventually ended up in collections. I have tried to dispute it, but the collection agency ( XXXX XXXX XXXX ). I have tried to dispute with this agency and all three credit bureaus. XXXX removed it because it could not be verified as my account. Equifax and XXXX have refused to remove this account.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NV)

I attempted to make an advance payment on my mortgage. When I have extra funds, I like to get ahead on my regular mortgage payments. I was already XXXX months ahead and Loan Depot refused to accept any more advance payments. When I called, they said they have a " new billing system '' that can only accept XXXX advance payments on a mortgage. 

This limitation is outrageous. Since when are consumers prevented from making payments at any time toward their financial obligations? Companies complain people are late on their payments and then when people want to pay to get ahead, they refuse to accept the funds. Frankly, it's a criminal manipulation of the consumer. 

And we are in a XXXX XXXX  with advanced AI system on the horizon. Loan Depot 's " system '' is incapable of accepting more than XXXX advance payments? If so they should file bankruptcy and find a new business to entertain themselves. And I NEVER want to hear Loan Depot or any other financial institution whine about how all their customers are in default.
Consumer complaint received 2024-06-13
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 my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX is inaccurately reporting XXXX hard inquiries on my Equifax credit report. I contacted Equifax and this is confirmed inaccurate. Equifax is reporting XXXX hard inquiries. I want this to reflect accurately on XXXX XXXX  as I have tried to contact support numerous times without avail.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-23
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. (GA)

My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-06-11
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)

XXXX XXXX XXXX ACCOUNT NUMBER - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (DC)

XXXX writing to you today to inform you I was the victim of identity theft. Per FCRAsection XXXX you are required to remove/delete any items listed on an id theft report.Please find the required documents to assist in the deleting of the erroneousinformation which is being posted to my report. XXXX XXXX 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 BalanceOwed : {$2700.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance XXXX : {$0.00}, XXXX XXXX XXXX Balance Owed : {$280.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the credit bureau shall removing any information in the file ofa consumer that the consumer identifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also, 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 2024-06-11
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-13
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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2023-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX XXXX I sent out a letter after reviewing my credit score with Transunion that I saw some incorrect information on my account. Once again I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts which Ive listed below. I also sent out a letter on XX/XX/2023 informing them that its been 30 days and I havent received contact from them. Ive received my credit report date XX/XX/2023 from the explaining my credit report from their view. However there are still some discrepancies for accounts ( XXXX XXXX XXXX XXXX : # XXXX Unverified Account ) ( XXXX XXXX XXXX Account Number : # XXXX Unverified Account ) & ( XXXX XXXX Account Number : # XXXX, XXXX Unverified Account ). 

Ive broken each account down that they have listed as accurate thats inaccurate. 

XXXX XXXX Account XXXX : # XXXX Unverified Account : This account is reporting a high balance of {$710.00} even though the balance is reporting {$0.00}. This account also shows that it was purchased/sold off by another lender XXXX XXXX XXXX XXXX This is violating tax code 15 USC 1681 and needs to be deleted immediately XXXX XXXX XXXX Account Number : # XXXX Unverified Account : As you can see on the credit report the original creditor was XXXX  XXXX. Not XXXX XXXX XXXX. This a Collection/Charge off, it can not report as a late payment. It was once again sold to XXXX XXXX XXXX, Ive requested that Transuion send me a method of verification with my wet signature from this company once again. 

XXXX XXXX Account XXXX : # XXXX, XXXX Unverified Account : This account as well has been charged off. Its reporting a high balance of {$2200.00} with a balance of {$1700.00} & a past due balance of $ XXXXThis is an inaccurate account that is furnishing on my credit report. This particular account has be filed as cancelled debt and the company has filed it on their income taxes but theyre still reporting it as debt.This company never sent me an 1099C form which Ive requested by mail. This is a violation of 15 USC 1681EB. This account needs to be deleted immediately.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act once again. Im also requesting that these inaccurate accounts be deleted immediately.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NV)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IL)

I had been making payments on a XXXX  account. I became sick in the hospital. I asked them to hold the payments until I was back to work. I revoked my permission to take money out of my account. They agreed. Then they continued to take out payment from my account. That was 4 weeks ago. I was unable to purchase my medications and caused my it become further sick. Every time I call they have a new reason why they the money hasnt been returned.
Consumer complaint received 2024-06-11
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 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK (CO)

On XX/XX/XXXX, an automatic payment went out to Midland Mortgage  from XXXX XXXX, this was an error since my mortgage was fully paid off, this led me to make a formal request for a refund of an overpayment on my mortgage account, in the amount of {$1200.00}. Since then, I have been experiencing a series of setbacks and have been given the runaround by your customer service representatives and some supervisors. Despite numerous attempts to resolve this matter amicably, I find myself at a dead end with no resolution in sight. 

Over the past month, I have called Midland customer service department multiple times, approximately a dozen, inquiring about the status of my refund. Each time I reached out, I received no substantial information or assistance. Instead, I was repeatedly directed to contact my bank, XXXX, for a resolution. This situation has been both frustrating and time-consuming, as I have spent a total of approximately 4 hours on the phone with my bank, who, in turn, informed me that they have no knowledge of any transaction involving a company named XXXX. 

My most recent interactions with Midland provided me with the information that a refund check was allegedly sent to XXXX on XX/XX/XXXX. However, I have no familiarity with XXXX, and their involvement in my refund is perplexing. I implored Midland customer service representatives to reach out to XXXX and investigate the situation on my behalf, as I believe it is your responsibility to ensure the resolution of this matter. Unfortunately, I was met with the same response, instructing me to contact my bank. 

This frustrating cycle of being bounced between Midland and XXXX has persisted for over a month now, and it is imperative that this issue be addressed promptly. I have been patient and understanding throughout this process, but I can no longer tolerate this lack of communication and unresolved matters. 

I want to emphasize that I have been a loyal customer of Midland Mortgage, and I have always upheld my financial responsibilities faithfully. I had expected a more efficient and respectful handling of this situation. 

I am sending this complaint not out of choice but out of necessity to ensure that my concerns are heard and that this issue is resolved promptly.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX was hacked and getting sued as of this letter meanwhile my credit suffers XXXX point drop which caused a collection agency to report have a debt of {$110.00} total from XXXX joke I have perfect credit for last 5 Years. Now I have to suffer with a lower credit rating. I've had XXXX for the last 3years always paid on time never a problem now because of a fraud who has stolen my social number and personal identity has destroyed my credit. XXXX XXXX manage are the collectors they're already trying to collect before I dispute they are trying to LINE there pockets from the innocent.
Consumer complaint received 2023-09-14
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: CITIBANK, N.A. (CT)

Holds from car rental companies totaling XXXX have not been returned to my available balance. XXXX hold from XXXX XXXX  has been sitting, since on my available balance since XX/XX/XXXX. This company is usually reliable, but something has dramatically changed.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In this follow up I would like to express my extreme frustration and dissatisfaction regarding the ongoing failure to remove fraudulent items from my credit file, despite so many documented attempts to resolve this issue. The persistence of these fraudulent items is unacceptable and requires immediate and effective action. In regards of my previous attempts to address the fraudulent items on my credit file, they remain unresolved. This ongoing issue is causing significant distress and financial harm, and it reflects a serious breakdown in the processes designed to protect consumers from such errors. Several items on my credit report are outdated and should have been removed in accordance with credit reporting laws and regulations. The continued presence of this information is causing significant distress and financial harm. Through this, I am asking for your assistance to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-12
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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.