davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Subject : Dispute of Derogatory Accounts Due to Identity Theft Dear Sir/Madam, I am writing to dispute the derogatory accounts on my credit report, which are a result of identity theft. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. These accounts were opened fraudulently without my knowledge or authorization. 

I first discovered these accounts when reviewing my credit report and noticed unfamiliar and unauthorized charges associated with them. Upon further investigation, I found that my personal information had been compromised and used to open these accounts without my consent. 

I have taken the necessary steps to report this identity theft to the proper authorities, including filing a police report and notifying the Federal Trade Commission. I have also contacted the creditors directly to dispute the charges and have provided them with the required documentation to support my claim of fraud. 

I respectfully request that these derogatory accounts be removed from my credit report as they are a result of identity theft and not a reflection of my credit history or financial responsibility. I have attached copies of the police report, FTC identity theft affidavit, and any other relevant documentation to support my claim. 

I understand the importance of accurate and fair credit reporting, and I request your assistance in resolving this matter promptly. Please investigate these disputes and provide me with a written response detailing the actions taken to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the derogatory accounts from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CARCO Group, Inc. (NJ)

On XX/XX/year> Screen ID formerly known as In XXXX XXXX  preformed a background upon myself producing inaccurate results. My XXXX  background check specifically is not up to date, charges that were dismissed have been reported as holding convictions. There are charges also on this report made to appear is continued offense whoever they are not true. My middle name has also been misspelled and an address not associated with me has been reported as a former residence of mine. 

This error has been detrimental to me and has put me in a position to where I may potentially lose my job. I have been blocked from receiving a XXXX  card in which I need to continue working on a company project I'm involved in. 

Please provide me with assistance. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Essential Lending Inc (TX)

Requested a loan for {$640.00} XX/XX/XXXX from Wise Loan. I had previously applied for two loans and successfully paid both off. I missed my first installment payment due in XX/XX/XXXX. After receiving notification of missed payment I attempted to go on line and make a payment but was unable to access my online account. I contacted customer service and asked why my access was denied and was told because my account was past due. I was then offered an arrangement to get account current or pay it off. After a lengthy delay of calculations by the representative, I was offered an amount of {$1800.00}, almost 3 times my loan amount. As I reflected on my past loan requests and how I paid them off, I remember being able to go on line and pay more than the XXXX fees which decreased the balance significantly. However, it appears that all they want to collect is the XXXX fees which still leaves me owing the balance of {$640.00}. The transaction ledger indicates the following : paid check # XXXX XXXXXX/XX/XXXX {$150.00} from account ending XXXX. 
Check # XXXX XX/XX/XXXX {$150.00} # XXXX XX/XX/XXXX {$150.00} # XXXX XX/XX/XXXX {$150.00} # XXXX XX/XX/XXXX {$150.00} were not processed from account ending XXXX as the funds were not available and I was in the process of negotiating a reasonable payoff amount. I eventually decided to close account to avoid additional expenses from Wise loan constantly running unauthorized charges. I also responded via email to Wiseloan asking to reinstate my online access or negotiate a resolution, to date I have not received an answer. Meanwhile Wiseloan has reported derogatory information on my credit report which has significantly affected my purchasing power.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-09
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. (TX)

I want to emphasize that I never authorized such actions, and this constitutes a breach of the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. I have already contacted the companies involved, and they failed to provide proper validation or original proof for their reporting, which adds to my disappointment and frustration. 

Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Never paid late on this account. I want the prior late payments updated/waived immediately. 

Listed below are the Collections that are being challenged- I regret to express my disappointment in your inability to furnish documented proof of compliance with reporting standards and consumer laws. This represents a significant deficiency. I hereby request the immediate deletion of this flawed and inaccurate report. Failure to comply may compel legal action against your company for its noncompliance with specific legal requirements concerning compliance and consumer protection. The accuracy of information is crucial to preempt potential future issues. Unfortunately, it appears that the gravity of this situation has not been duly acknowledged, and I am apprehensive that legal action may be indispensable. 

XXXX XXXX XXXX XXXX XXXX XXXX DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE IMMEDIATELY
Consumer complaint received 2024-05-14
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. (AR)

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/2024, and I have not yet received a response.
Consumer complaint received 2024-05-14
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)

PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I am victim of Mortgage Fraud perpetrated in XXXX. 
I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
Consumer complaint received 2024-06-12
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. (AL)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-05-14
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)

This complaint serves as a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 
While I acknowledge that errors can occur, it is important to rectify this inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome. 
XXXXXXXX XXXX  XXXX.
Consumer complaint received 2024-05-14
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. (DE)

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/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXAccount Number {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} has violated my rights. 

These accounts have 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 2024-09-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (TX)

I asked the company that had my information into the collection agency to provide me with signed documents that has my social security number, date of birth and original signature on documents that shows my signature and correct SSN and DOB all documents and none of what I asked for has yet to be provided, they send me everything but what I've asked for. No documents have been confirmed with my signature, correct DOB and SSN
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Starting in XXXX i have sent several dispute letters to XXXX with all my proper documentation and nothing has been resolved, XX/XX/XXXX i submitted my FTC report, official police report and all the accounts that do not belong to me and nothing has been done, per XXXX  the accounts are coming back as verified more than 30 days later, on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX i submitted all the documents again and i keep getting the same results, this is an ongoing issues with XXXX and i would like my credit file updated and accurate.
Consumer complaint received 2023-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am respectfully responding to the latest email from Wells Fargo Bank dated XX/XX/XXXX @ XXXX XXXX. This is a continued Retaliation and Discrimination from Wells Fargo Bank to my family. 
I have already contacted President Joe Biden and Members of the Senate and Congress regarding this important matter. 
It is very disappointing that Wells Fargo Bank has closed my Work out loan modification several times since about XX/XX/XXXX till the present.
Consumer complaint received 2024-05-13
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. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX
Consumer complaint received 2024-05-13
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)

XXXX XXXX  XXXX # XXXX This account have multiple inaccurancies ... from my understanding by law this account must me 100 % correct it showing it has a XXXX dollar available credit ... How can that be when this account is closed? 
Please delete
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to dispute inaccurate information appearing on my credit report. Specifically, the following names and addresses are listed on my report as past residences where I have never lived and names that are not mine : XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 ( this address is not mine ) I have confirmed that I have never resided at any of these addresses and have no connection to them whatsoever. The inclusion of these inaccurate addresses is damaging to my credit report and potentially impacting my ability to obtain credit, employment, and other benefits.
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX notice from my direct deposit account {$1000.00} was removed from my account..a name showed up saying XXXX XXXX money was sent to her ..I don't know her and she is not on mu contact list... something at the bottom of app page says ..pay anybody. That's how she got XXXX report to dispute on that day the very next day ... investagation was over and they sent a email saying they found no errors and they won't return my money..Note.allow transaction was turned off so how did she get the money..k don't know her.So I open XXXX rebuttals ..each time chime say get a police report I gave to them XXXX and sent to there XXXX which they claim they never got until a supervisor said yes they did get it ... I sent a statement and a police report..one of the supervisors told me they are constantly having theft complaints at Chime ..Dispute t eam told me over and over they can't help me... they don't h Ave verbal communication with the investagation t3am.they don't know if they got the police report..I keep getting .they can't see no errors..
Consumer complaint received 2024-05-14
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)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MacDowell & Associates, Ltd. (CA)

I had to fill in a wrong reason. I was a victim of a crime which has now passed the statue of limitations for collection the XXXX XXXX XXXX has ignored this and turned me over to a very disreputable company which has many complaints on your site the company is MacDowell and Associates, which are collection Attorneys at work for XXXX. The statue of limitations here in California is XXXX  years that has passed and at XXXX years or a month or XXXX short of that. And researching the company I see they used tactics like getting judgments and the person never knew they were sued that sort of thing since the statue of limitation is being ignored I'd like this company to stop contacting me and never put anything on my credit they never contacted me about the debt and I see they have access my credit report and put on a hard inquiry and of course no lawsuit filed since after XXXX years a lawsuit is not permitted
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I paid XXXX XXXX  of XXXX XXXX for an XX/XX/XXXX ceremony on XX/XX/XXXX. My fiancee was not on the phone or in my presence at the time. She had additional questions which were sent via email. This email was ignored, so we proceeded to call. My fiancee had two phone calls with XXXX, the last of which left her in tears. The following Monday XX/XX/XXXX, I called XXXX to cancel, and she told me she was keeping XXXX percent of the funds even though her abuse was the primary cause, in addition to the ceremony being two months away. 

PayPal is refusing to refund the payment because I need a cancellation notice. As XXXX was abusive, I don't believe I will be able to acquire that document, even though the ceremony was supposed to be two months from now regardless. We have already booked a different vendor that clearly states their terms, and who is respectful and above board.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After obtaining my consumer report, I noticed inaccuracies in the reporting of my XXXX XXXX XXXX account ( # XXXX ) by TransUnion XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to fair and accurate credit reporting. The account, opened in XX/XX/XXXX, does not contain all payment information from that date. There are inaccurate and inconsistent monthly ratings, with no ratings for XX/XX/XXXX and XX/XX/XXXX, which makes the reporting inaccurate. 

The account is also inaccurately reported as 120 days delinquent consecutively, instead of reflecting an increasing delinquent status each month. Additionally, there are incomplete, missing, or inaccurate details for balance information, past due amounts, and payments made. For example, balance information is reported only for XX/XX/XXXX and XX/XX/XXXX. TransUnion inconsistently reports a highest balance of {$1500.00} and a balance of {$16000.00} for XX/XX/XXXX, which is inaccurate. Similarly, for XX/XX/XXXX, a highest balance of {$2300.00} is reported along with a balance of {$10000.00} for the same month. 

These inaccuracies violate the FCRA, which mandates that credit reporting agencies maintain accurate and complete information. Specifically, FCRA Section 1681s-2 requires furnishers of information to report accurate information and correct any inaccuracies. Failure to comply with these requirements shall lead to the deletion of the inaccurate information from my credit report.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC (VA)

I requested information regarding the judgement but was informed it was charged off and close. Now they have taken money from me by informing my employer that they have spoken to me. I never received any paperwork, notification of no judgement for garnishment. My employer did not notify me either. I found out when I saw the deduction. Please can you help me.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (WI)

Sequium Asset Solutoins put a collection notice from XXXX XXXX XXXX mobility on my credit reports. First it appeared on my XXXX report. It caused my rating to drop XXXX points. I filed a dispute with XXXX after calling XXXX XXXX XXXX and being told that I have a {$0.00} balance. A couple days later, my XXXX score went back up and the collection was removed from that report. I checked yesterday XX/XX/year> and now the same notice appears on my XXXX report... I do not owe XXXX XXXX  XXXX anything. I haven't even had XXXX XXXX XXXX XXXX for years. And I am not able to contact anyone from Sequium.
Consumer complaint received 2024-09-08
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. (GA)

inquiries on my credit report that I believe are a result of a data breach. I've reviewed my report and identified several inquiries that do not belong to me. I'm concerned that these unauthorized inquiries may be negatively affecting my credit score.

I understand that data breaches can lead to fraudulent activity, and I'm worried that these inquiries may be related to identity theft. I'd like to request that my credit reports are investigated and remove these unknown inquiries from my report.