davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-11-15
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)

Regardless of the multiple written requests, the account listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (CT)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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 my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-07
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. (OH)

I have received a copy of my credit report and have noticed that the following item to be an error. I have contacted the three Credit Bureau to have the item removed. The mail sent the Credit Bureau were on XX/XX/2022. Only two Bureau removed the item but Experian still holding the item on my report. The item is XXXX XXXX XXXX XXXX for the amount of {$370.00}. 

I have attached the report from the 3 bureau and you will notice that the items are not seen on the other two bureau. 

Thank you
Consumer complaint received 2023-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bull City Financial Solutions, Inc (NC)

I have been in touch with XXXX XXXX XXXX  to get charity or reduce the bill. Ive sent numerous times info required, bank statements, taxes, income and so on. They always came back with something missing, which was sent over and over again. I thought they were still working on helping me out, and I got the collection letter.
Consumer complaint received 2023-11-15
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were 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, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$85.00} XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-04-20
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. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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. (PA)

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 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 2023-11-15
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. (RI)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam XXXX I am writing to request the immediate removal of credit accounts associated with XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for [ XXXX ] to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, XXXX XXXX
Consumer complaint received 2018-05-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I closed on my home on XX/XX/2017. Thus far I have had no trouble making payments or keeping up. However my loan was sold for its original holder to loan care its current servicer. This is a normal practice of course. What I am upset about is, when I paid my loan in XX/XX/XXXX, I was charged a XXXX dollar late fee for paying on the XX/XX/XXXX. According XXXX XXXX regulations, a servicer is not allowed to charge a late fee to the borrower until after the 15th day. I have tried call them many times to resolve the issue, but just ended up hanging up, because the hold times for an operator is over 1 hour.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern regarding the presence of fraudulent items associated with my profile. I have recently become aware of the existence of these items and am deeply troubled by their presence. 

The fraudulent items in question include unauthorized transactions, false information, I have attached supporting documentation. 

I understand that your company takes matters of fraud seriously and is committed to maintaining the integrity of its services. However, the current situation has caused me significant distress, and I am seeking prompt and effective resolution to rectify this matter. 

I urgently request that the fraudulent items be removed from my profile at the earliest possible time to prevent further harm and safeguard my personal information. 

I request a thorough investigation into the origin and circumstances surrounding the fraudulent items. Understanding how this occurred is crucial to prevent future occurrences and to hold responsible parties accountable.

Clear and timely communication throughout this process is essential. I request regular updates on the progress of the investigation and the steps being taken to address this matter. I am asking for your assistance to remove these fraud 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
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My original complaint. 

I paid XXXX XXXX XXXXXXXX on XX/XX/XXXX for a XXXX XXXX XXXX I never received the system. I couldnt get response from vender.so I called to dispute the charges on XX/XX/XXXX. Capital 1 gave me a dispute credit of the XXXX on XX/XX/XXXX. I provided all information and was told if they needed something they emailI heard nothing. On XX/XX/XXXX XXXX reversed the XXXX dollars causing my account to go XXXX and car payment bounce. I was never notified of dispute denied. I called immediately on Monday XX/XX/XXXX and talked on a recorded line to a gentleman whom told me hed reopen the dispute and assured me theyd redeposit the money in XXXX days. I called back on XXXX XXXXXX/XX/XXXX and was told the gentleman was mistaken no refund was happening. My car payment thus bounced. They told me Id get proof of reason for decision on XXXX business days. Now the major confusion and what I believe hiding of their mistake and breaking of the law. I called XXXX XXXXXX/XX/XXXX and was told to call back XXXX XXXXXX/XX/XXXX. I did they said it could take rest of the day call back XX/XX/XXXX. I did. I was then told it was emailed to me on XXXX XXXXXX/XX/XXXX. I have received no emails from them since XX/XX/XXXX. I have received no hard copy mail or phone calls. They now said on XXXX XXXXXX/XX/XXXX that they resend to email Id get in XXXX days. I requested hard copies to be sent to my address with poof of delivery. They said itd be XXXX business days. Its been XXXX weeks Ive been asking for proof of reversal. They say oh its the other part and they cant talk to customers well re request. I want to see what vender sent them. They with provide. Thank you XXXX XXXX Capital one replied that XXXX XXXX  refunded me the money via XXXX. They did not I asked both vendor and capital one to provide the proof in writing. Capital one keeps saying theve emailed me and mailed a hard copy to me. Ive received nothing from capital 1 since XX/XX/XXXX Capital one is not cooperating if they have proof Ill deal with XXXX. But they are refusing to even tell me why money was taken from me. The only way I know is from your letter to me. Id like the written proof of the money was refunded to me. Then Ill deal with XXXX. But XXXX Ive never received and XXXX no one has ever shown me any proof. Everything has just been verbal.if capital one has proof from vendor I received it XXXX said shoe it to them. If it went to a wrong account theyll fix it. But I cant get proof. 

Thank you
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fruad Accounts appearing on credit report. 

XXXX. XXXX XXXX XXXX {$76000.00} XXXX. XXXX XXXX XXXX {$890.00}
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally raise my complaint regarding the inaccurate credit information present on my credit file. It is disconcerting to find that the following information has been included in my credit report. I strongly urge you to promptly verify the inaccuracy of this information and remove it from my profile due to the detrimental impact of such inaccuracies on my creditworthiness. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. These items contains inaccurate details : XXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/2022. Please remove these items from my credit profile ASAP.
Consumer complaint received 2023-11-15
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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. (MA)

This is one of several times I've discovered that my credit report had inaccurate information. The three 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 updated : XXXX 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 2023-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Reached out to XXXXXXXX XXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account without a balance due. Please provide proof and update the inaccurate reporting or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPSXXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

I have an account with Fortiva. In XXXX of XXXX I made my minimum payment due and my payment was accepted online. I then received my statement saying my payment was reversed but they could not tell me why. I was also charged a {$30.00} late fee. I asked if the late fee could be reversed and they told me it would can be reversed if I paid the now minimum payment due of {$100.00} which {$55.00} was paid on XX/XX/XXXX and {$54.00} was paid on XX/XX/XXXX. Although I paid the amount requested I was charged another {$40.00} late fee. Since the the fees are non stop and my minimum due each month continues to go up. I have been making a payment each month but it does not help. In XXXX again my payment got reversed so more fees were added. I called again and they told me I had to make another high minimum payment and they would reverse the fee. After the payment was made they did not reverse the fee. I called again and they told me the person I spoke to gave me incorrect information and they would not remove any fees. I told them I could no longer afford to be making outrageous minimum payments when I have been making my payment every month but for some reason which can not be explained 2 of my payments have been reversed causing the fees to get out of control. I have not missed any payments but can afford to pay the payment due anymore since they get adding more and more fees. As of my last statement in XXXX my minimum payment due is {$260.00}. They are also reporting me late to the credit bureau which has dramatically decreased my score.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

I was scammed by someone for {$500.00} and I am now homeless because of it and I need my money back. I sent the money from my chime account to another persons that had false intentions and they said I cant get my money back from them but I need it back
Consumer complaint received 2023-04-20
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX