davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (CT)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I checked my credit report and had some concerns about the information in my consumer credit file. Experian was first notified on XX/XX/2018 ( Attachment A ). On XX/XX/2018, I received report which stated on page three that the company that reported the information has certified ( Attachment B ) to Experian that the information is accurate. 

Additionally, I sent a second letter ( Attachment C ) on XX/XX/2018, regarding account # not properly being verified, and received Experians XX/XX/2018, report # XXXX ( Attachment D ). This unverified report displayed Experians policies for handling disputes and nothing else. Page two of the report indicated that the page was intentionally left blank. 

In good faith, I decided to send a third letter ( Attachment E ) on XX/XX/2018, reiterating the same points made in letters one and two, and to provide proof to support the statements made in letter three. Despite sending these letters, Experian will not properly investigate my concerns regarding account number # ( adhering to FCRA ) and the other items disputed in letters one through three. A XXXX dollar fine for each violation means nothing to a company that makes billions per year. Lastly, their total disregard for the law is arrogant and insensitive. See additional support ( Attachment F ). 

Please hold Experian accountable. I am in the process of purchasing a home within the next nine months.
Consumer complaint received 2024-04-29
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: I.C. System, Inc. (MN)

XXXX XXXX XXXX XXXX  account number XXXX Im unfamiliar with this account XXXX XXXX account number XXXX My identity was stolen i tried to this but I got no information XXXX XXXX XXXX account number XXXX Im unfamiliar with this account
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (NY)

To whom it may concern, Midland Credit Management is Still Reporting Inaccurate and Incorrect information on my Credit Report although I contacted Them Previously on this same Matter. They Deleted Another account for a Lesser Amount but Refuses to Delete this Account # XXXX for {$1700.00} I need this Company to Send another Letter to myself and All Three { 3 } of the Credit Reporting agencies Stating that I Do not have an Contractual Agreement with them and To Delete all Fraudulent Inquiries of my Credit Report I will be Attaching The very First Letter sent out also The Letter they Sent to me Only Deleting the LESSER AMOUNT for {$540.00}
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To officially notify XXXX XXXX  Equifax, XXXX and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/13 ; the issue is not resolved.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I requested information on my credit report so they can remove inaccurate information. They responded with a letter with the wrong name and asking for my personal information like copy of my social security, identification and a bill with my address on XX/XX/2024. 
I responded to them letting them know that the letter sent to me asking for my information was incorrect. I denied to send my personal information ; because when i requested for credit report my information was written.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy if my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2019-03-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

I was pre-approved for a loan with XXXX XXXX XXXX in XX/XX/XXXX. I found a short-sale property in XXXX of XXXX, and my loan officer XXXX XXXX immediately ordered my initial disclosures and had them sent to me. I received disclosures from XXXX and Carrington Mortgage, which is their TPO broker. I asked my loan officer why was my loan locked in XXXX and she stated that all loans should be locked right away. As with most short sales, the process was drawn out due to the seller ( XXXX ) was taking their time to review the offer. Throughout the process, I received 5 LOCK EXTENSION FEES. I felt like this could have been avoided if we did not lock the loan right away. I asked my loan officer on XX/XX/XXXX if there was a different interest rate available that could offer a credit to assist me with the amount of fees that were being added to my loan and I was told no. Finally we were on track to close by XX/XX/XXXX, until I was told that my credit report expired on XX/XX/XXXX, due to an " oversight '' on the Carrington underwriter. Once my credit was re-pulled, they stated that my credit score had dipped below XXXX, so a re-score had to be completed. It took almost a week for this to come back, and our deadline to close was today XX/XX/XXXX. I was looking for a CTC on Tuesday, but didn't get it until Thursday XXXX. Today XX/XX/XXXX I did not receive a final CD until I arrived at the closing, where my closing costs had increased from approximately {$6200.00} to over {$7300.00}! At the closing table I noticed that Carrington had made a couple of huge monetary errors on my Closing Disclosure. No one bothered to fix the numbers, therefore I walked away from the closing because it had become unaffordable for me at this point. The mortgage company also violated TRID by disclosing an appraisal re-inspection fee to me 2 weeks after they were aware that it was needed. Also, a title update fee was charged on my final CD that I was not aware of and it was never disclosed to me. I was told that sometimes extra fees from the title company just needs to be added. That is not true. As someone who has been trained on TRID, I can just imagine how many customers who are not mortgage savvy has been taken advantage of by Carrington Mortgage. As a consumer I asked for my closing figures be a little more accurate so that I didn't have any cash to close surprises. My requests were ignored several times. I was told that my requests would be on the final CD. Due to this fiasco, I now have to go back to my landlord to see if I can rescind the 30 day notice that I have him. This is the worse consumer experience that I ever had to go through.No one cared how this has affected me physically and emotionally. I am a single mother of a XXXX year old daughter, and it hurts me that I have to break the news to her that I can't buy this property due to the carelessness and lack of professionalism of Carrington Mortgage.
Consumer complaint received 2023-11-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

IQ DATA INTERNATIONAL is reporting that I owe ( Original Balance {$8900.00} ) vs ( New balance {$11000.00} ) to XXXX XXXX XXXX and this apartment home was leased to my mother and I was a tenant still in High School. I have requested that both XXXX XXXX XXXX  and IQ DATA INTERNATIONAL provide the original signed application to validate this debt on XX/XX/2023, XX/XX/2023 and XX/XX/2023 without a response.
Consumer complaint received 2024-04-26
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)

I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (MA)

I was beginning to look for a new car as my lease was coming to an end. I went to XXXX XXXX in XXXX massachusetts to see about Mabye leasing a XXXX, this was on XX/XX/XXXX. I spoke to the sales person to see what they may be able to do. At no point did I give them my social or permission. To run my credit I didnt even have my drivers license with me. I left to look at another places and was to speak with them on that following Monday if I was interested in a XXXX. My husband and I left the dealer shop and got about a mile down the road when XXXX XXXX alerted me that I had a new hard inquiry and that it was from Chrysler. I contacted the dealership corresponding with the general manager who assured me that they hadnt dont any hard inquiry. I assured them that at no point did I given them permission or ask for this to be done and that I was very upset. I would like to find out how this happened and have it rectified. I did not of course deal with them again. I leased a new XXXX  on the XXXX from XXXX of XXXX.
Consumer complaint received 2023-11-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have XXXX hard inquiries that were all unauthorized. 

XXXX XXXX XXXX XXXX : XXXX XXXX Capital One Inquiry : XXXX XXXX Capital One Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Capital One Inquiry : XXXX XXXX
Consumer complaint received 2023-11-07
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)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Despite providing comprehensive evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. I would like to follow up the ongoing issue regarding the removal of fraudulent items from my record. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove fraud items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (FL)

On XX/XX/2023, I received a call from a collections company called XXXX XXXX regarding my Systems & Services Technologies , Inc. account with Flex Lending that was paid and forgiven. Systems & Services Technologies , Inc. broke the contract by selling the account to a third party and I am seeking damages from both parties.
Consumer complaint received 2020-12-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Ive sent dispute letter for items on my credit report XX/XX/20. I still have not received investigation results. The debt that is trying to collect are not mine. I demand items to be removed immediately
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

RE Reporting all credit bureaus for data purposes ( and legal ) for the following regarding the handling of my credit files. 

XXXX ) XXXX, Equifax and XXXX accepted information from unreliable furnishers : they all accepted information from furnishers that are not providing reliable, verifiable information about me XXXX - XXXX XXXX XXXX  - should be deleted. 
XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXXt- should be deleted. 
XXXX XXXX XXXX  XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) XXXX  XXXX  XXXX credit- not late in XXXX of XXXX. 
XXXX XXXX XXXX  XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) And XX/XX/XXXX knocked my credit down XXXX points for a late payment that does not exist. 

Equifax- XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXX XXXX XXXX XXXXXXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) XXXX ) XXXX XXXX to include information from XXXX  XXXX XXXX XXXX failed to respond to all or nearly all disputes that issued the same responses to all disputes.DUPLICATE CLOSED. 

XXXX ) Equifax, XXXX and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 

XXXX ) XXXX allowed XXXX XXXX auto loan furnishers to continued to share incomplete or inaccurate information for several years after learning the information was false, incomplete, or inaccurate. XXXX XXXX XXXX provided information even after they determined the information was listing incorrectly. This was verifiable with the original dealership that this trade should be deleted. 
XXXX ) Equifax, XXXX and XXXX did not follow requirements for the disputed investigations and continued to furnish information listed above that I have repeatedly disputed by failing to conduct investigations into the accuracy of information. Instead all Bureaus have put blocks in place preventing me online report access to continue to dispute enabling delay and access from supporting agencies. The XXXX XXXX XXXX website has also been blocked for all bureaus. 
Equifax XXXX department continues to ignore the requested access and their department continues to send documents denying access electronically since XX/XX/XXXX despite providing documents, court orders, drivers license and birth certificates authentication as XXXX XXXX.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am extremely frustrated with XXXX, XXXX, and TransUnion, the credit bureaus. Over the past year, I have sent multiple letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, informing them of inaccuracies on my credit report. However, they have not responded to my requests or taken any steps to ensure that my credit report is accurate. I have submitted copies of the letters I sent regarding the issue. I demand that XXXX, TransUnion, and XXXX remove the incorrect details from my credit report, as they have violated my consumer rights. Their lack of prompt response and provision of imprecise information is a significant error on their part.
Consumer complaint received 2024-04-13
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. (TX)

I am writing to express my dissatisfaction with the delay in addressing the open accounts issue. As a valued customer, I believe it is crucial to highlight the importance of timely resolution of such matters to ensure smooth business operations and maintain a positive customer experience. 

Despite my initial attempt to rectify the late open accounts, there has been a significant delay in addressing the issue. This delay has not only caused inconvenience but has also led to potential financial implications for both parties involved. 

I understand that mistakes can occur, but it is imperative to prioritize swift action to correct them and prevent any further inconvenience or financial repercussions. I urge you to expedite the process of resolving the open accounts and provide a clear timeline for its completion. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$81.00}.