davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX 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 2023-12-17
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : UNKNOWN ACCOUNT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2023-10-20
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit reportXXXX XXXX XXXX XXXX XXXX Balance : {$4.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$110.00}.
Consumer complaint received 2024-04-11
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. (MO)

Equifax shows these inaccurate accounts on m consumer credit profile. 
this information is misleading and causing me to be denied my unalienable rights to credit and the pursuit of happiness. 

Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$220.00} Dispute Reason : The payment history of the account is reporting incompletely. There are many months/years that are missing data. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Balance : {$310.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 

Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$0.00} Dispute Reason : The payment history of the account is reporting incompletely. 

Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$3900.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 

Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$5500.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 

Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$4200.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 


Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$7500.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 


Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$10000.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 


Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$4600.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$5400.00} Dispute Reason : Account does not report date of last activity and payment history of account is reporting incompletely. There are almost 2 years that are missing data. 


I am requesting a through reinvestigation of these accounts. Please make sure that all aspects of this account are reported 100 % completely and accurately. 

I have asked for these accounts to be XXXX percent complete and accurate. Accounts histories are incomplete and don't equate to payments. 

my rights as a consumer have been violated. 15 USC 1681 ( A ) ( 2 ) they did not have my written instructions and 15 USC 1681 2 ( A ) ( 1 ) a inaccurate information is being furnished to the 3 CRAs relating to me the consumer.
Consumer complaint received 2023-12-17
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SPRT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my frustration and concern regarding the inaccurate information present on my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my right to ensure that the information contained within my credit report is fair, accurate, and substantiated. 

Despite repeated attempts to rectify these errors, the inaccuracies persist, adversely impacting my financial standing and opportunities. This blatant disregard for the FCRA law and its provisions is unacceptable and has caused significant distress and inconvenience. 

I demand immediate action to rectify these inaccuracies and ensure compliance with the FCRA law. Failure to do so will compel me to take further legal action to protect my rights and hold accountable those responsible for these violations.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

MADE MY XXXX PAYMENT ON XX/XX/23. I DID NOT SEE THE PAYMENT ON MY ONLINE STATEMENT AS PROCESSED. I CALLED XXXX ON XX/XX/XXXX  TO ASCERTAIN WHY PAYMENT WAS NOT SHOWING AS CLEARING MY ACCOUNT. I TOLD THE CUSTOMER SERVICE AGENT THAT I WANTED TO MAKE ANOTHER PAYMENT AS I WAS UNSURE AS TO THE STATUS OF THE PREVIOUS CHECK. SHE ASSURED ME THAT IT HAD GONE THROUGH FOR SURE. AS A RESULT I DID NOT MAKE THE PAYMENT AS PLANNED, RELYING ON HER ASSURANCE. THE NEXT XXXX XX/XX/, I CALLED AGAIN AND WAS TOLD THE PAYMENT HAD NOT GONE THROUGH. BASED ON THE INCORRECT INFORMATION I WAS GIVEN I WAS NOT ABLE TO MAKE ANOTHER PAYMENT WHICH WOULD HAVE BEEN TIMELY. 

I AM COMPLAINING ABOUT XXXXXXXX XXXX XXXXXXXX. MY PAYMENT OF {$1400.00}
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am writing to express my profound frustration and annoyance concerning the sudden appearance of a multitude of unauthorized accounts on my credit report. This egregious error has arisen from fraudulent activity, and I demand an immediate and thorough investigation to rectify this situation promptly. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX  PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
I recently discovered a multitude of unauthorized accounts on my credit report, and I am appalled at the lack of oversight that has allowed these fraudulent entries to tarnish my credit history. This fraudulent activity has the potential to wreak havoc on my financial standing, and I insist on immediate action to rectify this grave error. I demand an urgent investigation into the origin of these unauthorized accounts and their immediate removal from my credit report. Immediately delete all unauthorized accounts listed in the attached document from my credit report.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I was expecting a refund from a retailer to my newly open, but closed checking account. The bank forced me to close the account, but never said why. After weeks of not receiving the refund, I went the branch I opened my newest checking account. The banker filed a claim through the bank, and I was instructed that a credit would be issued for the entire amount of the refund. Instead, the bank used a portion of the claim/refund to pay off another unrelated chargedoff account. But I disputed the charges because I was in prison and did not make the charges. The bank never responded to my written dispute.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (AL)

I signed up for a XXXX account which was supposed to provide me with what I thought was a {$30000.00} line of credit. I never received the funds and were mistaken so I requested that the account be closed back to inception, I am also unable to get a refund for the payments made. However, this company as XXXX XXXX is reporting different payment information across the XXXX major credit bureaus and I have done several disputes asking them to remove the negative payment history from my credit report. They are reporting XXXX late payments to XXXX, XXXX late payments on XXXX and XXXX payments on Experian. I am asking that this account be removed from my credit report as they are in direct violation of the FRCA as Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. I am asking that this account please be removed from my credit report. The same source should not be reporting different information across the credit bureaus.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXXA XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXXA XX/XX/XXXX - UNAUTHORIZED INQUIRY 15 U.S.C 1681 section 602 A. States I 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (AL)

This unknown Retail Credit Card company named XXXX Synchrony Bank with a balance of {$1500.00} has been reported on my Credit report with XXXX and XXXX. Opened XX/XX/2019.
Consumer complaint received 2023-12-17
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)

Equifax Original complaint XX/XX/2023 Case # XXXX Equifax responded XX/XX/2023 - Stated XXXX XXXX was deleted. However, still there according to MyFICO report dated XX/XX/2023. 
- Stated XXXX XXXX XXXXXXXX XXXX XXXX was updated. HOWEVER, THIS WAS PAID AND SHOULD SHOW ACCORDINGLY. PLEASE UPDATE OR DELETE. 
- Stated XXXX XXXX was deleted. DONE. THANK YOU. 
Stated XXXX XXXX modified. TRUE AND ACCURATE. THANK YOU.
Consumer complaint received 2023-12-17
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)

On XXXX XXXX XXXX XXXX XXXX XXXX balanced of {$12000.00}, I took a look at my credit report and noticed inaccuracies on my credit report. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I also stated to please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof of the negative payment status for this account, or delete this account with 30 days.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent out my personal information to be disputed/ corrected via certified mail. I have not received any signed returned correspondence that my information was properly received by the company and no other person or entity.
Consumer complaint received 2024-08-03
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX  XXXX XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ln generally. after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation : and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo Home Mortgage foreclosed on my home in 2008. they refused to do a modification or temporary assistance to save the home. I seen a notification of a settlement ordered for Wells Fargo to pay for damages in foreclosures. 

I also had a couple checking accounts with them during this time and was charged many overdraft fees I have not yet been contacted by Wells Fargo regarding these settlements.
Consumer complaint received 2017-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

My Chapter XXXX bankruptcy was discharged and my mortgage account was closed. However, I did not pay late and I have been paying it on time. Wells Fargo has not update my account even though they sent me a notification on XX/XX/2016 that a change will be made. I am just asking to report my payments. Thanks
Consumer complaint received 2024-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (CA)

My HELOC was sold by Figure to Specialized Loan Servicing ( SLS ) in XXXX of 2023. Ever since then, SLS has been abhorrent to work with. 
I wasn't able to access my account online for a couple of months, once I was able to access it, I was unable to make an electronic payment ( as promised ). 
I asked both a customer service representative and the website to send me email, text, and phone call notices, but I have NOT RECEIVED ANY EMAILS NOR CALLS FROM SLS. 
I set up XXXX  through XXXXXXXX XXXX, and SLS didn't even credit my last payment to my account, NOR did they contact me regarding how the payment should be applied. 
Most egregiously, when my payment was late THEY NEVER CONTACTED ME before reporting a late payment to the credit reporting agencies which had a disastrous effect on my credit score! 
I'm currently on hold with a customer service representative and just reached 44 minutes since she's said a word!?! 
What recourse do I have against Specialized Loan Servicing???
Consumer complaint received 2023-12-16
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.