davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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 recently found out through my credit report that more identity theft has occurred after the initial police report was filed XXXX. I noticed this issue when I tried to apply for a house and apartment, and they told me I have an eviction on my credit report that was up for collection. I contacted my credit company, and they sent me a copy of my credit report which shows two account that was open by XXXX XXXX who is my bothers girlfriend ). My brother 's name is XXXX XXXX, and he is currently XXXXXXXX ) ( I do not know her contact information ). She is associated with the original identity Theft case ( XXXX ). The address to the places on my credit report : Fair Collections and Outsourcing - XXXX XXXX XXXX XXXXXXXX XXXX, Fl. I have never lived in the city of XXXX one day of my life. I provided evidence of my residence for the last 20 yrs. Im looking to get this incident resolved asap. I need to add the info to move forward with the investigation and clear my name and credit to be able to move on with my life!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX AUTO Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

On XX/XX/, documents were submitted to and accepted by Experian to dispute inaccurate information on my public record. On XX/XX/, at approx. XXXX set, I called Experian to obtain a dispute report number which they had not been given me. I spoke to a representative of Experian named XXXX. I was asked by XXXX what my dispute was for and I informed him that the information on my credit report by Experian regarding a reported bankruptcy was incorrect and I wish for it to be deleted. I then asked for a dispute report number that was never given to me by Experian since XXXXXXXX XXXX. Before XXXX gave me this report number, he proceeded to tell me that Experian will gather the information for the actual court in question. I then informed XXXX that the courts do not furnish information to any credit bureau as stated in the court letter I submitted with my dispute. I then informed XXXX that I thought that XXXX is where Experian gathers their information from. XXXX then changed his answer to me and said that XXXX will go directly to the court to gather the information for this dispute. I again informed him that the courts do not furnish information to any of the credit bureaus as well XXXX as stated on the court letter submitted on my dispute. I then informed XXXX that the reason I am disputing this public record with Experian is because the court name 'XXXX '' that is reported on my credit report does not exist and is incorrect. I also informed XXXX that the information he was giving me on a recorded line by Experian was also incorrect because neither Experian nor XXXX goes directly to any court for public information which is even stated on the XXXX website as they get their info from XXXX. XXXX proceeded to tell me has never heard of XXXX and insisted someone from XXXX will go directly to the court to get information on me and then furnish it to Experian. I asked to speak with this supervisor " XXXX '' to which he told me has not available and would have to call me back in 72 hours. I am filing this complaint because a representative from Experian gave me incorrect and inaccurate information as to how Experian and XXXX gather court information for the public record on my credit report. I am requesting that this phone call be investigated and added as evidence to support my original request to delete this incorrect information reported my credit report as stated on my dispute. The case number for the phone call with Experian is XXXX. The dispute report number that request for a deletion of my public record due to incorrect reported information for Experian is XXXX.
Consumer complaint received 2024-04-18
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. (NY)

Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-11-28
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. (TX)

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
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Our original mortgage was with Countrywide and when the economy crashed in 2009 our mortgage was sold seems to us several times finally landing with Bank of America. We had no choice in the matter. Numerous times since they purchased our contract we have tried and tried to do a loan modification, refinance of some sort only to be told sorry we still have not received all the paperwork. We would then fax it. There was still always an excuse it was lost etc... We are over it. Also we weren't able to get into the better interest rate. Another thing that happened was me and my husband were on the Countrywide loan together and now it is only my husband on this loan. And we do not have the XXXXXXXX XXXX we had on the Countrywide loan. We have fell behind and have been able to redeem ourselves with help from Government programs. It has been a continuous cycle. Fast forward to covid we found ourselves in the same situation. And to no avail were we able to work with Bank of America. Another government program helped to bail us out but again here we are still stuck at a higher interest rate, large house payment and no one to assist us with refinancing or a loan modification. We want to stay in our home and the only solution we ever received from Bank of America was to do a short sale or let it go back to the bank and walk away.
Consumer complaint received 2024-04-18
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-04-18
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. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lockhart, Morris & Montgomery Inc. (GA)

After many attempts, I went to court, explain my situation. They continue to harass me after that they sent letters to my old residence, and I did not find out until the day I was supposed to get paid that they had garnish my wages I had to go to my old residence to pick up any remaining mail, which then I found that they went to court to garnish my wages.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank Of America, I have trouble recognizing an account ( s ) on my credit report. It says I allegedly owe on multiple credit cards, account numbers # XXXX, XXXX, and if you claim I owe the alleged debt, can you then provide me with account billing history, statements, and other proof that claims the debt is owed by me. Thank you for your time.
Consumer complaint received 2024-04-18
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/2023 called the agency and was told to log in online and submit a dispute. Still today no update. 

XX/XX/2023 submitted another dispute and still no update. 

XX/XX/2023 submitted another dispute no update. 

XX/XX/2023 submitted another dispute no removal.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. 3 Credit Bureaus must update the listed account from my file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.
Consumer complaint received 2024-04-18
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-18
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/XXXX, I contacted Chime regarding a transaction I wanted to dispute. The transaction was made on XX/XX/2023 for {$1100.00}. The purchase was made for concert tickets that didnt happen until XXXX. An incident happened at the concert before it even started that involved someone pushing me down stairs, where I had to go to the hospital for a head injury and the police arrested the person who pushed me down the stairs. A report was filed and the police were involved as well. We were unable to attend the concert because of this. I contacted the merchant and the merchant said Id have to contact my bank or the organizers team of the event for a refund. I have not been able to find contact information for XXXX XXXX team. I then contacted Chime who refused to dispute the transaction. They said they didnt have the authority for this type of dispute. Chime refused to file the dispute and refused to investigate the situation.
Consumer complaint received 2023-11-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IN)

I tried to set up a arrangement to pay for collections with midland and they didn't want to work with me on what I could afford just kept saying your accounts will be sent to court this was on the XX/XX/2023 all of my other collection places worked with me
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

CHIME BANK XXXX XXXX - Purchased Clothing Online @ XXXX  For XXXX Clothing Was Supposed To Arrive By XXXX XXXX XXXX XXXX XXXX 

Upon Arrival - It Has Now Been Over The Estimated Delivery Date XXXX XXXX Still No Update Or Response Even When I Ordered Expedited Shipping I Gave Them A Little Over A Day To Get Back With Me. 

Screw It - Decided To Cancel The Goods & Services Not Received. Asked XXXX  For A Refund. The Company Stated That Id Have To Return The Items Before Initiating A Full Refund.

The Catch - I Cant Return An Item That Has Never Arrived So Therefore How Would I Be Able To Receive The Refund. 

Dispute - I Took The Time & Disputed With Chime, My Bank Account Now They Say That The Merchant Is Not Responding. Claims Can Take Up To 10-20 Business Days To Resolve. MAX Could Take Up To 90 Days When This Company Has took XXXXXXXX Of My Cash In Less Than 5 Seconds.

Follow Up: It Has Now Been Over 8 Business Days & Ive Yet To Hear From Any Chime Rep About My Claim 

Side Note: Ive Had Claims Take No Longer Than 5 Days. Something Isnt Right. 

                         - THANK YOU APPRECIATE ANY HELP.
Consumer complaint received 2024-04-18
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)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (NY)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-26
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TX)

first off let me inform you that throughout this whole process ive been in the hospital having XXXX XXXX XXXX and im unable to get out of bed and have no access to the info required. i gave my debit card to my brother inlaw and asked him to go get me something to eat he came back and told me that the card had insufficiant funds so i called the automated number to check the balance and all it let me inter is the last 4 on my card and it sent me straight to customer service when they asked me to verify the card info they told me i had the wrong phone number the wrong address the wrong pin number and the wrong email address and in order to fix it i would have to go in person with my id to the social security office after a few days i was able to talk my sister into going there in my behalf and she got them to talk to me on the phone and they changed the info back on my card and in the mean time i had ia direct deposit added to my account and i had already called the bank to dispute the original transaction of {$250.00} on my card the very next morning i tried to use the card to pay my copay at the hospital and the card was declined i called the bank and my credentials had been changed agin and {$1600.00} had been removed from my account so i had to dispute all charges made and none were made by me the bank says they sent me a letter requesting more info that i never recieved some of the money was put back into my account i had allready got a new card today i got a letter saying that a claim for {$650.00} was denied and they had closed the dispute i have to have that money and they dont want to give it to me i still have 6 unpaid disputes that have not been paid back to me only 3 disputes were paid out of 9
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XXXX XXXX2024. I received a response stating that the accounts were verified on XXXX/2024. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( A ) ( 7 ).

To be clear, per FCRA 611 ( A ) ( 2 ) ( B ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me all information used for your investigation, as required by FCRA 611 ( A ) ( 7 ).

I have enclosed a copy of the following items that are reporting negatively and inaccurately on my credit report. 

Per the FCRA you are required to provide this information within 15 days or deleted the negative items from my credit report.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

A discharge of indebtedness because of a XXXX  or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. XXXX in box XXXX to report this identifiable event.