davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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 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 2024-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MS)

on XX/XX/XXXX, new rez paid XXXX XXXX for a policy that is not mine. the policy was not in my name and the insurance coverage was inadequate to cover my loan amount. 
XX/XX/XXXXXXXX XXXX XXXX  notified me that this was my final notice before cancellation. 
i contacted new rez, inquiring about the payment. i learned they paid the wrong company. 
XX/XX/XXXX, new rez sent a payment to XXXX XXXX. 

of course, both insurance payments put my escrow account in the negative. i called for the XXXX  policy to be returned to my escrow account. this issue has not been resolved. 

on 4 occasions, a representative said that the error can not be corrected until XXXX refunds the payment. my problem with this is i have no control over the error that was made or when/if XXXX will return the payment. the XXXX payment needs to be credited back to my account. as of XX/XX/XXXX, the payment has not been credited and the representative says they have submitted a payment retrieval to XXXX. at this point, the payment retrieval is between new rez and XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

I have just recently discovered that Equifax along with XXXX and XXXX have been selling all information including my Social Security Number to other companies like TELETRACK at XXXX. I never heard of this company and they have all of my information. The representative said he can put a 5 year opt-out information on my account, but can not put a permanent opt-out on my account until I mail him a request form in Georgia. I also put a request to freeze my account permanently, but not sure if that is a guarantee. 
So far, I have found 9 companies that all Three Credit Bureaus have sold my personal information. I am not sure if there are more.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

A company reached out to me after I submitted an application for an auto loan after my contact information got spammed to multiple service providers. 
They heard about my credit report issues ( delinquencies, charge-offs ) at the time and offered to repair my credit history by disputing the negative remarks within the XXXX credit reporting bureaus ( XXXX, XXXX, XXXX ). 

My XXXX creditors which had debts were having the debts settled for less than the amount due and I had been advised by my debt mitigation company to stop making payments so the debts could be settled. The XXXX major debts on my debt mitigation account were settled first ( {$18000.00} to XXXX and {$1100.00} to XXXX ). XXXX creditor with XXXX different personal loans is still being settled for a total of about {$2100.00}. 

The company, XXXX XXXX, stated and claimed to me that my negative remarks ( delinquent payments and charge-offs ) could be wiped clean from my credit report if I pay them $ XXXX. I paid them for two years. During this time I contacted them and asked why am I receiving back notices from one credit reporting bureau stating that my disputes are being rejected. To which I was given a false explanation ( " they just say that to make you feel like they're not listening, but they are still going though '' ). 

It turns out the disputes were never going through ( all three bureau credit reports have the same remarks ). It also turns out that just because you settle a debt for less than the original balance with a creditor, does not mean you can remove the delinquencies and charge-off remarks up until the payoff date. So once the debt settlement is paid off, it stays on your credit report ( and stops reporting further delinquencies past the payoff date ). These stay on your report for a total of 7 years, but keep reporting until the debt is paid off ( whether settled or not ). This applies to delinquent debts and settlements. 

This company had lied about this fact and credit reporting rule and I had already paid them nearly {$2000.00} up to this point ( roughly {$1800.00} ). 

I had contacted my bank, Wells Fargo to dispute the charges for reason of them being fraudulent charges for services not provided on my checking account for XXXX years. 
They deposited a partial amount of the money back into my account as a provisional credit, but then after a month told me I have to pay the provisional credit back even though I provided them documentation that the company XXXX 's claims were representing fraud and no services were provided. 

Now I am fighting and escalating the matter with the Wells Fargo XXXX XXXX XXXX XXXX as they are trying to take back roughly {$1300.00} from me that they should have covered under FDIC fraud dispute regulations. 

And I have no recourse against the company, XXXX XXXX, which is refusing to charge-back the money paid from my bank account for the fradulently advertised service I paid for.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts 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 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 to be removed/updated. 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. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX. )
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

I've consistently made timely payments on this account, never allowing them to become overdue. I don't understand why there are reports of late payments on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-22
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. (MA)

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. 
Account XXXX  XXXX : # XXXX, Account XXXX  : # XXXX, Account XXXX  : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX  : # XXXX, Account XXXX  : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX  XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX  XXXX : # XXXX, has violated my rights. 


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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX FORMERLY XXXX - 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 instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency make 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 7 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
Consumer complaint received 2024-08-14
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. (AL)

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The Inquires are 1. XXXX  - XX/XX/2024 2. XXXX XXXX - XX/XX/2024 3. XXXX XXXX - XX/XX/2024 2024
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Shortly after I discovered the fraud attached to my social security number, I sent the credit bureau a detail letter, telling them the information was fraud, requesting that they remove/block the fraudulent information from reporting and included XXXX attachments proving my identity and that the items listed were fraud. I filed an identity theft report, which I provided the bureau a copy, ( Report number XXXX ) and submitted reports to the federal trade commission, ( report number XXXX and XXXX ). Despite all the evidence, the bureau refused to block/remove the items, in direct violation of FCRA XXXX ( 15 U.S.C. 1681c-2 ), which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. '' I submitted the request and all evidence in XXXX this year. As evidenced in the attachment, yet it is still reflecting on my credit today. 
The credit bureau has made no effort to protect me and my information. They have sent no supporting documents proving the alleged debt. The only thing I received was saying they " did an investigation. '' Which is impossible, because had they truly investigated, they would have found the accounts are not under my legal name, literal public records ( listed with the state ) show otherwise and a XXXX XXXX search would show every insurance I have ever had. Not to mention, my credit is flawless. No late payments, nothing overdue in my life. 
Plus the XXXX XXXX XXXX is reporting different fraudulent balances to different bureaus. It is clearly fraud and should be removed for that inaccuracy in itself!
Consumer complaint received 2024-07-17
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)

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. 

XX/XX/XXXXXXXX : # 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. 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

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

XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX 15 U.S. Code 1681 Governs Access to Consumer Credit Report Records And Promotes Accuracy, Fairness, And the Privacy Of Personal information Assembled By Credit Reporting Agencies.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested on XXXX separate occasions to have a middle initial of XXXX XXXX  '' be removed from my credit report with the XXXX credit reporting agencies. This has been to no avail. I have been unable to log on to my XXXX account for XXXX months due to its technical issues. The middle initial of " XXXX  '' suddenly showed up on my credit report during the XXXX XXXX. My most recent attempt to resolve this most simple of issues was on XX/XX/2024 with Transunion. Transunion has still not rectified the problem. I have the latest Transunion file identification number available. Thank you for your assistance with this matter.