davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

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 2023-04-12
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: Experian Information Solutions Inc. (TN)

XXXX XXXX has reported to Experian that I was 30 days late. I have bank statements saying I was not 30 days late and gave them to Experian. Experian came back 3 times now as the account stays on my account and the investigation lasted only over night. XXXX XXXX representatives have said that I have NO late accounts on my account and that I should contact Experian. When I try to contact Experian the call machine says I can not talk to a person unless its identity theft.
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Statebridge Company (NJ)

I purchased my home in XXXX with a 12.95 % interest on the second mortgage, with a promise from the mortgage broker to refinance to a lower interest rate after 6 months of good payment history. On the XXXX month a returned to that mortgage company for refinance and was ignored. As I saw property value decline, I attempted to sell the property, as I was overwhelmed with the large payments. 
I discovered that the home was never transferred and that the mortgage was never recorded. After contacting mortgage company and no action on their part, I stopped paying. The home was transferred in my name approximately 4 years later, at which time the value of the property had crashed. After a modification in XXXX I resumed payments with primary mortgage thinking that this was my only mortgage. 
11 years after I stopped paying, I discovered that the second mortgage had been sold to a different lender and they were then requesting payment. I responded a With a request that the mortgage was valid and did not hear back for a while. Maybe a year later that second mortgage filed foreclosure against my home. A final judgement motion is pending. Please help.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act ( FCRA ) Transunion has violated my rights. The FCRA, Section 602 ( a ) ( 4 ), 15 USC 1681, states I have the right to privacy! FCRA, Section 604 ( a ) ( 2 ), 15 USC 1681b, also states a consumer reporting agency can not furnish an account without my written instructions. I never provided written instructions to Transunion to furnish the accounts listed in the attached letter.
Consumer complaint received 2024-04-15
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 have recently reviewed my credit report and saw XXXX accounts that weren't accurately reported. I had XXXX late payments ( XXXX on each of my XXXX XXXX accounts ) on accounts that were in fact paid on time. The consumer reporting agencies need to report all information with complete acuracy. This account hasnt been late on payments, and the account is set to auto pay, so there must be a billing error of some sort. I have attached a copy of my report to this complaint on the folloing dates : XX/XX/23 for the following accounts : XXXX and XXXX. 

I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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 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 2023-05-01
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 2023-10-28
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. (CA)

This Bankruptcy accountis being reported on my credit report as if they are the furnisher,. this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file. XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Consumer complaint received 2024-04-15
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. (TX)

I have recently reviewed my credit report and saw XXXX accounts that weren't accurately reported. I had XXXX late payments ( XXXX on each of my XXXX XXXX accounts ) on accounts that were in fact paid on time. The consumer reporting agencies need to report all information with complete acuracy. This account hasnt been late on payments, and the account is set to auto pay, so there must be a billing error of some sort. I have attached a copy of my report to this complaint on the folloing dates : XX/XX/23 for the following accounts : XXXX and XXXX. 

I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$9000.00}
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX  Balance : {$9500.00} XXXX XXXX XXXX  Balance : {$9000.00}
Consumer complaint received 2023-05-16
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-15
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'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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-15
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 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 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I put money including {$1700.00} in my Wells Fargo account that was given to me to feed the seniors and homeless dinners on XXXX & XXXX, however the money was fraudulently taken from my account around XX/XX/ and after I reported it around XX/XX/, I filed a police report with the XXXX Police Department and the same company had taken {$100.00} so I filed a claim for that one too. I was told over the phone that it was done by me or someone with my permission and that I wasn't going to get my money back. I filed a few more claims as I took the situation to the highest the corporate level and recently again was told that the claim could not be opened, but the agent who was on the phone told me that XXXX gave them the information to reject the claim saying basically that it was not fraud. I have asked several times where did my money go because you said it was a purchase so where did the purchase take place because according to my account all of the transactions shows a merchant name on it except for the {$1700.00} & {$100.00} which has no name on there but the company did grant the claim and I was refunded {$100.00} back to my account so I contact Wells Fargo again about the {$1700.00} and was again told that I would not get that money back.
Consumer complaint received 2023-11-29
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. (TX)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ). HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 

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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX 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 2024-02-01
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. (MD)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (TX)

In accordance with the Fair Credit Reporting Act ( FCRA ) Equifax has violated my rights. The FCRA, Section 602 ( a ) ( 4 ), 15 USC 1681, states I have the right to privacy! FCRA, Section 604 ( a ) ( 2 ), 15 USC 1681b, also states a consumer reporting agency can not furnish an account without my written instructions. I never provided written instructions to Equifax to furnish the accounts listed in the attached letter.
Consumer complaint received 2024-04-15
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. (CA)

Upon reviewing my recent credit report, I've noticed some inconsistencies that need immediate attention, particularly concerning the following accounts : XXXX, XXXX. XXXX and XXXX XXXX XXXX. 

The company has assured me that they will adjust the status of these accounts to indicate they are closed and were never late. Other credit bureaus have already made the appropriate corrections after recognizing the inaccuracies.
Consumer complaint received 2024-04-15
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. (CA)

I have recently viewed a copy of my credit report and was traumatized when I seen a fraudulent account showing up on my report. I believe I have been a victim of Identify theft. I did not authorize this account nor do i recognize it. I kindly ask that you remove this account please, and thank your for your assistant.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: LAGO Funding Corp. (FL)

I financed a vehicle from a buy here pay here lot. I voluntarily reposted the vehicle 2 years later after making monthly on time payments. However the loan was sold to another company who has now placed a judgement on my credit for more than the value of the vehicle after the vehicle was sold. Which they are now attempting to garnish my wages from my employer and affecting my credit.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (TX)

I can not Believe all XXXX credit reporting agencies have offshore base in XXXX. Pretty much all American people credit information is in hands of world country. Wow... Great Job CFPB and FTC.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2024-01-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA)

Was looking for an inexpensive car and had to get one quickly to be able to leave for the other side of Washington asap. Well, because I only had {$500.00} to put down on one they said I would be limited in my options. Asked carhop about a specific one, arranged to come see it, hoping I could just get it and drive it off the lot if it was decent enough. When I got there they sprung it on me that, oh no that one I wanted was gone, this other one over here is the only one I could still do with my XXXX. I was in desperate need of a car, so I agreed. I put XXXX down and payments ended up being like XXXX every 2 weeks ( so roughly XXXX a month ). I kept paying until I lost my job and then i couldnt afford the payments anymore. I went to tade it in ( at a diffferent place because we had moved at this point ) for something that is smaller and that is more gas efficient, but every person i talked to said i was being ripped off by carhop. The car was worth around XXXX ( they said probably even less ) and based on our loan they were charging us over XXXX the price of the car. We still owe over XXXX on it! Most of them said to just let it get repossessed, one even said he would help us file complaints because he thought the loan was " predatory, disgusting, and repugnant '' One of the people from CarHop has been talking to us and saying she will help us and offering to do a payment plan, which we were still in the midst of talking about. Suddenly we hear the tow truck outside. So basically seems like she was just buying herself time to get the repossession approval or something. If not that, then WHY have it picked up in the MIDST of negotiations? At this point I just want the loan taken off my account or marked as closed and paid up. Because this is absolutely ridiculous and a scam.