davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (GA)

We have had our XXXX XXXX co drop us for just filing 2 claims in 3 years for home property. We were told that we were dropped due to the claims with Lexis Nexis history showing. this insurance ends in XXXX XXXX both claims were weather related with no control from our end.We never file home owner claims, it has been years. 
We are still not in receipt of the report ordered 2 weeks ago. 
XXXX and XXXX both askes us to call. 
I called their XXXX number and still no report. 

Please contact them and XXXX they say to get this report for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX. I demand the removal of these incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want these incorrect numbers removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as this incorrect name : XXXX XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, since time ago I have been trying to get bureaus to correct erroneous information reported in my report, however so far I have not received responses. I attach the letter that I myself have made and sent so that yu can see the errors that I highlight to the bureaus and which they have ignored.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (AR)

Ok i filed a couple complaints against sofi and in returned they put a restriction on my account and my ssdi is deposited into it and i have tried contacting them multiple times to remove it. They never even told me what or why the restriction was placed so now they acting tyrants
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, & XXXX are reporting incorrect information. I have previously disputed this same information and they claim to have updated my report but they did not. This is my final latte or to get you to report correct information before I sue in a federal court for various vol of federal law. For the last time my name is XXXX XXXX there should be no other names listed, my address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX there should be no other addresses listed they are not mine and you dont have actual proof that I reside there or have ever resided at such address. Delete the information immediately.
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE ACCOUNT ending in XXXX was charged off in XXXX  and paid in settlement. New York State FCRA mandates that this account be deleted from my personal credit report. I have reached out to XXXX to have account removed, as well as Capital One. This behavior is abusive on their part, even with laws on the books they still skirt the law. See XXXX XXXX XXXX ( f ) ( iv )
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My personal information was fraudulently used to open an account XXXX XXXX XXXX Credit Card. I've asked for the company to investigate and share there findings without any reply. This has negatively impacted me and my financial well-being.
Consumer complaint received 2024-05-08
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. (LA)

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 2024-05-08
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)

You are reporting inaccurate and incorrect information on my credit file. 
This information needs to be investigated, verified and correctly amended straight away and all erroneous item removed from my credit report XXXX  - XXXX.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have some student loans that is inaccurate. I submitted a dispute for them with Experian The 5 student loans I disputed should be showed as closed not opened.

If can't verify the accounts is accurate I want them changed to closed.
Consumer complaint received 2024-05-08
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)

The below 1 item ( s ) were not submitted and need your attention. 
Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$23000.00} as of XX/XX/XXXX Status Open. Deferred, payments begin XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Payment never late Additional information SEE FTC and CFPB report You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

You may also submit supporting documentation for your disputes at experian.com/upload.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This are unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
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. (SC)

I sent in a complaint in regard to the debt collector XXXX reporting debt on my profiles that shouldn't have been reported. Equifax and XXXX have removed this debt due to not being able to validate the debt however, XXXX has kept the debt on my credit profile. 

Please read below the response from Equifax : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

Also, XXXX has deleted XXXX from my credit profile, please find attached a copy of the report that shows experian has removed these items.
Consumer complaint received 2024-06-17
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)

I reviewed my new credit report and i saw information which i believe, doesn't belong to me, so i am writing to dispute accounts and inquiries on my credit report. I discovered several accounts and inquiries that are not related to any transactions I have made. This indicates potential identity theft..
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have had a XXXX account XXXX XXXX, for the most part I have had excellent payment history. I see I have late payments being reported on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. I am unaware as to why these payments were reported late. I do not recall submitting the payments late. I am not blaming this is on XXXX, I simply do not recall what transpired for these late payments to occur. I am asking as a courtesy for all or some of the late payments to be reversed as pai as agreed. Or for at least the most recent late payments XX/XX/XXXX, XXXX and XX/XX/XXXX to be reversed as paid as agreed. 

The late payments are hurting my credit profile tremendously and is stopping me from getting the best possible interest for a new home. I spoke with the CRAs in hopes of getting help from there in regard to this issue. They stated the company has the ability to reverse late payments and they suggest I reach out to the company directly. I am asking as a courtesy and a as a customer with a decent payment history is there something that can be done. Thank You
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WI)

We are currently in the process of selling our home and have tried to receive a payoff as of the date that the wire will be received by the mortgage holder. " Mr. Cooper '' owned by Nationstar Mortgage refuses to send us a payoff as of that date. Our home sells on XX/XX/XXXX and they sent a payoff through XX/XX/XXXX. ( This is a conventional loan, not a government loan. ) I called again to request an accurate payoff, through XX/XX/XXXX and they sent a payoff through XX/XX/XXXX. I was told that they would refund the " extra '' interest with my escrow account after 30 days of receiving the payoff. How is this mortgage company allowed to hold over {$1300.00} of my money for 30+ days. If I didn't pay them for 30 days they would be all over me for my payment. The note that I signed does not give them the right to mandate a larger payoff then what is owed to them, nor does it give them the right to hold my escrow monies for 30+ days after receiving the payoff.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-08
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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me
Consumer complaint received 2024-08-19
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 


Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Accounts : XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX
Consumer complaint received 2024-08-20
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney XXXX, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding XXXX. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Consumer complaint received 2023-11-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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)

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by XXXX and associated mismanagement by XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentation such as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

It is critical to highlight that both accounts were written off and reported as income through 1099 forms. These debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. Failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

**This is in relation to my previous complaint XXXX XXXX I had a payment of {$720.00} to be made on XX/XX/XXXX. Because of past issues with Autopay, I re-done autopay and called up the Citi Customer support on XX/XX/XXXX to confirm that the payment is processed though the payee account XXXX XXXX XXXX XXXXXXXX ) was not debited with the amount. The Citi customer support told me that the payment will be posted in 2 days and that there is no action to be taken from my end. However, on XX/XX/XXXX I happened to see that Citi card has added {$41.00} late fee and {$15.00} as interest added to my transactions as the payment was declined. 
I did have enough balance in my XXXX XXXX XXXX account for the payment to go through. I called up XXXX XXXX XXXXXXXX customer support once again trying to understand why the payment was not honored. They said the Citi payment was sent again to incorrect routing number. 
This issue is causing me trouble as I end up paying late fee and interest for no fault of mine. Also, my credit history is being impacted. Appreciate if Citi could investigate the issue and remove the late fee and interest charged on my account Screen print from my Citi credit card account and XXXX XXXX XXXXXXXX account is included for your reference. I have also included an audio clip from XX/XX/XXXX conversation with Citi Credit card associate confirming that the payment was processed. 

Note - Tried to upload the audio clip of my conversation with Citi customer support on XX/XX/XXXX to confirm that the payment that was due on XX/XX/XXXX has gone through successfully. However, the file is of 15 MB size and hence unable to attach it here.