davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-08-25
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$10000.00}.
Consumer complaint received 2024-06-07
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-09
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: EQUIFAX, INC. (ND)

On XX/XX/2019 I was notified that I had an account in collections. When I looked at it. It said through XXXX XXXX for XXXX XXXX. I do not have any policy through this company and I have spoken with XXXX  and XXXX XXXX who told me that the policy was not even under my name it is under my father XXXX XXXX. This is not the first time Equifax has allowed information for this man to be placed on my report
Consumer complaint received 2024-01-22
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: U.S. BANCORP (CO)

US BANK REFUSES TO ADDRESS THIER ERROR ON MY CREDIT REPORT DUE TO CUSTOMER SERVICE STATING BECAUSE THERE IS FRAUD ON MY ACCOUNT DO NOT MAKE A PAYMENT. US BANK ASLO REFUSES TO LISTEN TO RECORED CALLS AND STATES ONLY THE INVALID ADDRESS CAN ADDRESS THE ISSUE ON MY ACCOUNT. I HAVE MAILED THEM A LETTER MULTIPLE TIMES THAT HAS BEEN RETURNED TO SENDER EVERY TIME EVEN AFTER VERIFYING THE ADDRESS MULTIPLE TIMES. THIS ISSUE IS ON GOING BEYOUND A YEAR NOW.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hi Experian, I don't know what is going on because I just checked my credit report and can not believe what I see. I found this fraud account opened without my knowledge and shall delete from my credit report. I spoke with the fraud team from XXXXXXXX XXXX XXXX and she told me since this account was opened due to fraud, she will closed it out. I was told that I have the right to delete this fraud account from my credit report. Account number XXXX is fraud and I would like to use my right to delete this fraud credit card from my credit report.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

Me and my lady was on vacation in XXXX. We on the beach and all our things got stolen. Its professional thiefs in XXXX that collect people information an us the the information starting identy theft. Our wallets, car keys, cash, purse, my pants and identification. They empty our accounts, opened credit, tried to open several accounts with companys sending us information asking us for more information. It was extremely horrible dealing through this tragedy... We havent trusted to travel or even give information on the phone. Feel comfortable to look at certain emails. It extremely effected our daily living today.
Consumer complaint received 2023-12-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

To whom it may concern, Please be advised that this complaint is specific to my consumer rights and protections and specific to the {$350.00} posted on my credit report as a collection. 

The law states, when a debt collector contacts you about a debt, they are LEGALLY REQUIRED to provide information about that debt, including the name of the creditor, the amount owed, and MY RIGHT TO DISPUTE. Unfortunately, this legal requirement did not happen prior to placing this debt on my credit report, wheras I was never contacted. 

The attached response letter from Transworld Systems INC ( TSI ) serves as proof that TSI, violated my consumer rights when they failed to provide me the legally 30 days requirement to dispute the debt owed or pay the debt prior to placing this debt in collection on XXXX ( see screen shot of credit report specific to this debt ). 

On XXXX I submitted a complaint regarding this debt that was placed on my credit report as a collection. On XX/XX/, TSI responded to my complaint ( see attached ) ; the reponse states " On XXXX  TSI electronically mailed an initial Demand Letter to the email address we have on our systems '' ( TSI failed to attach proof that they emailed me a demand letter or the email adress ). 

However, my credit report reflects that the debt was posted on my credit report on XX/XX/ prior to the demand letter notifying me of the debt and giving me the opportunity to cure the debt or dispute it. Therefore, I am requesting this company remove this debt from my credit report or be prosecuted by CFPB Enforcement Actions.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I checked my credit report and the information was not correct. I have contacted them and they have said that the accounts were verified. I asked them to provide to me how they verified/validated the accounts and I received no response. I have checked my other credit reports and it shows that they are reporting different information for the same accounts which is against the FCRA laws and this violates my rights.
Consumer complaint received 2024-06-05
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-02
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. (TN)

New Dispute Letter Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX. XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This inquiry was not authorized, please remove it from my credit report immediately
Consumer complaint received 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (WA)

My mortgage was sold to RoundPoint Mortgage Servicing LLC by XXXX XXXX in XX/XX/2023. I've had multiple issues trying to process payments with the new company. 

I have multiple complaints : - It is very difficult to reach a live person via their telephone automated system. 
- No one responds to email inquiries. 
- Online payment system is very unreliable with frequent maintenance - Bill payments are being reversed No one has reached out to me regarding any of the issues above. I've reached out to them multiple times via emails and phone calls.
Consumer complaint received 2024-06-05
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. (FL)

Account : XXXX XXXX XXXX. 
# : I am not liable for this debt with sprint and do not have a contract with XXXX XXXX XXXX. This collection is violating my rights. It is related to another BBB complaint ID : XXXX. I was illegally evicted during XXXX during a no eviction mandate in Florida. The landlord in the previous complaint ID mentioned fraudulently continued to use the electric in the rented property after I cancelled it. They illegally and fraudulently kept the XXXX XXXX XXXX XXXX XXXX active after I had cancelled it and racked up a bill and now it is negatively affecting my consumer credit report. I have contacted an attorney and am proceeding with legal action against XXXX XXXX XXXX if this is not removed from my credit report immediately. The landlord who did this is the one liable for this debt, he knows that because he also tried to file a collection against me and he did not respond because he knew he broke the law and would be held liable legally and removed the fraudulent amount reporting to my credit. This needs to be removed immediately. My consumer rights are being violated under the following consumer protection laws under 15 USC 1681. :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. Remove this from all Credit reports, XXXX, Equifax XXXX XXXX Immediately
Consumer complaint received 2024-07-02
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. (OH)

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Consumer complaint received 2024-06-05
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. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.SXXXX Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting. I need all my information my my credit profile to be 100 % accurate since im trying to apply for a house soon.
Consumer complaint received 2017-01-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NJ)

I received a bill in the mail from American Medical Collection Agency stating that I had an unpaid bill from XXXX XXXX XXXX. They said the bill was from XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX and I have never received an initial bill from XXXX. This company, that goes by the name AMCA, is threatening to take further action which will hurt my credit score. The letter they sent says that the amount they are trying to collect was n't included in my initial invoice. I should n't have a final notice from a 3rd party collector if I 've never received an initial invoice from XXXX. This seems to be a fraudulent company.