davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-08
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX  XXXX Balance Owed : {$230.00}.
Consumer complaint received 2024-04-19
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 have diligently followed all necessary procedures in disputing this account. I've contacted the bank, which assured me the issue was resolved. I've also engaged with law enforcement, providing a valid report and affidavit, confirmed by them. Additionally, I've worked with Equifax, which complied with legal requirements and removed the account. However, Equifax seems to be presenting obstacles, claiming I haven't completed all necessary steps. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. 
Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to Equifax over XXXX months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, a federal entity. I seek a resolution to this matter adhering to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, severely impacts both my personal and professional life. I feel overwhelmed and am losing control. Please handle this matter with urgency.
Consumer complaint received 2023-11-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CA)

On XX/XX/ I wrote to I.Q. Data International Inc. requesting an authenticated record of accounting. I specifically said I was not asking for a statement of account, rather an authorized record of all accounting and bookkeeping entries pertaining to the account. In this letter I requested to be provided with an agreement with their client that grants them the authority to collect on the alleged debt, an agreement that bears the signature of alleged debtor where in he/she agreed to pay the creditor, any insurance claims that have been made by any creditor regarding this account, and judgements obtained by the creditor in relation to the account, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, verification that this debt was assigned or sold to the collector, complete accounting of alleged debt and commission for debt collector if collection efforts are successful. I requested that they furnish this information within 15 days as it is readily available to them and they did not send any response. This letter was sent via certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX with return receipt and this letter was delivered and signed for on XXXX XXXX XXXX 

Since I.Q. Data International Inc. did not respond in any way whatsoever, I sent a second letter on XX/XX/ via certified mail. In this letter I notified them that they did not get back to me and validate the debt and that according to the Fair Debt Collection Practices Act I have the right to claim a validation of the debt and they are obligated to provide me with the relevant documentation. They received my original letter on XX/XX/ and never responded yet the credit bureaus have responded back to me that the debt is " verified '' although they too never sent me any documentation whatsoever. 

I let them know that they are now in violation of the FDCPA and subject to a fine of {$1000.00}. And that I would continue with the suit if they did not respond within 15 days. I informed them that I would also be submitting a complaint with the FTC. This letter was sent via certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX with return receipt requested. This letter was delivered and signed for by I.Q. Data International Inc. on XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

All three major credit bureaus Equifax, XXXX XXXX and XXXX solicit paying for account services including credit monitoring or offer unsolicited products including checking accounts and credit cards that promote fixing my credit. 

Is this not an obvious conflict of interest? 

How can a supposedly unbiased 3rd party that controls if I'm able to buy a car, buy a house or even feed my family solicit me for services to pay them to fix my credit that they report on and that all credit providers use to judge my credit worthiness?
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-04-19
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are multiple accounts that I didn't authorize or give consent to be opened in the first place. There are five different names,12 phone numbers, 6 addresses that are not mine. Anything that is not under my name, I want deleted immediately off my credit report. I need proof from all companies with misinformation, of my signature, & COLORED copy of my ID at the time as well. I have filed a FTC. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( m281 sw 715, 719 )
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

I am writing to express my concern and submit a complaint to COMENITY BANK/JARED regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, COMENITY BANK/JARED will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-04-19
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Contacted Experian and XXXX in regards to the validity of the bankruptcy associated with my credit report. This information is not accurate. There is a Bankruptcy report and accounts associated with the bankruptcy that need to be removed, due to the Creditor not complying with the law on how this was shared to my creditor. I have enclosed proof through XXXX XXXX that this information is not in my file for my credit. I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX XXXX and Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX XXXX and Experian Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Porania, LLC (GA)

According to the fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's consumers and to protect the security and confidentially of those consumers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. These companies are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out and at any time. '' I am opting out out of your reporting services.
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

We had an insurance claim on our primary home, nationstar mortgage now known as Mr. Cooper has been managing our claim funds of over {$100000.00} for over two years now. They have been extremely difficult and at many times delayed the disbursement of funds which has also delayed the reconstructions of our home. This company caused us incur extra expenses which they have not reimbursed us for yet. This is our second time complaining about this company to your office. Our main issue now is the remaining of the escrow funds left from our insurance claim has been sitting in their " escrow/loss draft '' department for months, after our several attempts in getting Mr. Cooper to apply those remaining funds into the principal of our mortgage loan. We have called multiple times and have spoke to their loss draft department which are in charge of our insurance claim funds and we explained the reconstruction of our home has been completed for quite a while and we specifically asked them to please apply the left over funds of over {$8000.00} into the principal balance of the mortgage loan. At one point we were told this would be completed within 5 days. We called six week later as this was still not completed, we spoke to the same gentleman XXXX in loss draft department and he gave us unreasonable excuses as to why this was not done. He promised to call us back in a week and as of today it has been over 4 weeks since our last conversation with him. We ask that Mr. Cooper provide us with a detail report of all the funds to our insurance claim and to apply all left over funds into the principal balance of our mortgage as previously requested. We are extremely upset with this servicing company on how they have handled our claim funds. Even after two years since our claim, they continue to delay disbursement of our funds even when we simply ask to apply them towards our principal balance. My husband and I want your office to review in detail how these funds have been handled as we are afraid they have mismanaged our funds. This servicing company should not be allowed to handle insurance claim funds.
Consumer complaint received 2023-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accscient, LLC (IL)

I learned yesterday, XXXX that I had a delinquency notice against my credit report. Upon reaching out to the debt collector, I learned that they never sent me proof of the debt owed, despite being requested on or about XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite submitting the required FTC report, the accounts continues to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. I demand that you promptly investigate this matter and remove the fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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. (AR)

I am writing to express my dissatisfaction and concern regarding the inaccuracies in my credit file, specifically relating to the reporting of late-open accounts. Despite my previous attempts to address this issue, the late-open accounts continue to be inaccurately reflected on my credit report, impacting my XXXX XXXX and financial well-being. 

The credit file currently includes late-open accounts that are not reflective of my credit history. These inaccuracies are damaging my XXXX XXXX and affecting my ability to secure favorable terms on loans and credit applications. 

I have previously submitted dispute requests regarding the late-open accounts, providing supporting documentation to validate my claims. However, the corrections have not been made, and the inaccurate information persists. 

The presence of these inaccuracies has led to unfavorable credit terms and XXXX have negative consequences for my financial future. It is imperative that these late-open accounts be corrected promptly. 

I kindly request that you conduct a thorough review of my credit file and take immediate action to correct the inaccuracies related to the late-open accounts. I have attached copies of the supporting documentation for your reference. 

Additionally, I expect clear and timely communication throughout the resolution process, and a written confirmation of the corrections made to my credit file. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will be left with no alternative but to escalate this complaint to regulatory authorities and seek legal advice to protect my consumer rights. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed inaccurate public record information numerous times. The dispute entity name is abbreviated, the street address is misspelled and inaccurate and XXXX XXXX has reported to the credit reporting agencies that the public record information investigated by XXXX is UNVERIFIABLE. 

The credit reporting agencies have not deleted disputed information and are in violation of the FCRA.
Consumer complaint received 2024-04-19
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