davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (NY)

On XX/XX/2024 I received a copy of my consumer report and I was shocked at the fraudulent activity that was furnished on my profile. XXXX XXXX and XXXX XXXX  both are listed on my consumer report. Each company has XXXX  accounts with debt that does not belong to me. I have filed a FTC report and I have requested an investigation into these matters with the companies and I have not received a response. I have never consented to any contracts with these companies and I have never given anyone permission to use my nonpublic personal information. According to 15 USC 1681i it is required by federal law for you to investigate these items and provide me with anyone information that has first hand knowledge of this alleged debt within a reasonable timeframe or these accounts should be promptly deleted from my credit report.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I noticed unauthorized and inaccurate inquiries and aged collections on my EQUIFAX, XXXX, & XXXX credit report. According to the FCRA ( Fair Credit Reporting Act ). LEGALLY these unauthorized items must be removed.

These are not in pursuit and do not belong to me whatsoever. I have no knowledge of these items ; 15 U.S.C 1681 B Furthermore, I have mailed verifiable information to all 3 Credit Bureaus multiple times with the intent of immediate removal. I have stated all unauthorized items on all 3 of my credit reports as well and they have REFUSED to cooperate.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: RoundPoint Mortgage Servicing LLC (AZ)

RoundPoint Mortgage Servicing received two payments in XXXX but only credited one. Claim we are not paying on time, charging unwarranted late fees and damaging our credit. We have provided our bank statements four times. The bank statements unequivocally show that they took our money but did not credit our account!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

I am requesting method of validation for all disputed accounts that are in litigation via XXXX being litigated for data breaches involving my personal information being exposed. XXXX has not offered me any sort of resolutions. Please remove the negative XXXX from my XXXX credit report. XXXX really some XXXX that want to destroy XXXX peoples spirit with slave debt. My ancestors did not suffer for us to struggle. They paid the ultimate price with their lives and forced labor. The effects are still evident today. This form of Debt slavery is appalling. Remove all negative XXXX immediately. You XXXX!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Sterling Credit Corp. (TX)

On XX/XX/XXXX, I, XXXX XXXX, entered into a consumer credit contract with XXXX XXXX XXXX for the purchase of a vehicle with XXXX  : XXXX. As part of this transaction, I was required to make a down payment of {$XXXX}, which I paid in good faith. 

Over time, I discovered several violations of federal consumer protection laws related to this transaction. Specifically, XXXX XXXX XXXX failed to provide the necessary disclosures and falsely required a down payment. In addition, XXXX XXXX XXXX sold my personal information to XXXX XXXX XXXX without my consent, which led to further violations. 

XXXX XXXX XXXX subsequently engaged in fraudulent collection practices, demanding payments that I did not owe. This resulted in an overpayment of {$XXXX}. Moreover, they have fraudulently held the title to the vehicle, preventing me from exercising my rights as the rightful owner. 

Despite my repeated efforts to resolve these issues, including sending multiple letters to both XXXX XXXX XXXX and XXXX XXXX XXXX, the following actions have occurred : XXXX XXXX XXXX : They have removed the debt from my credit report but have failed to return the {$XXXX} down payment that was illegally obtained. 
They have also failed to release the title of the vehicle, which is currently held by XXXX XXXX XXXX under false pretenses. 
XXXX XXXX XXXX : They have not refunded the {$XXXX} that was fraudulently collected. 
They have continued to hold the vehicle title illegally, preventing me from gaining full ownership rights to the vehicle. 
On XX/XX/XXXX, I sent a final notice to XXXX XXXX XXXX, demanding the return of the {$XXXX} and the release of the vehicle title. I gave them 15 days to comply with this request. On XX/XX/XXXX, after receiving no satisfactory response, I sent an " XXXX XXXX XXXX '' letter to XXXX XXXX XXXX, reiterating my demands and informing them that I would pursue legal action if the issue was not resolved. 

Despite these formal communications, XXXX XXXX XXXX has failed to address my legitimate concerns. The lack of action on their part has caused significant financial and emotional distress, as I am unable to exercise my rights as the rightful owner of the vehicle.
Consumer complaint received 2023-03-30
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am writing to file a complaint against Equifax regarding their failure to respond to my dispute letter and investigate inaccurate items on my credit report and incorrect personal information. 

On XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to Equifax, requesting an investigation into several inaccuracies on my credit report.Additionally, I disputed incorrect personal information listed on my credit report, such as Despite sending the dispute letter via mail and providing all necessary information, I am still waiting to receive a response from Equifax regarding the results of the investigation and I am still waiting to receive acknowledgement or resolution from Equifax. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Equifax 's negligence in addressing my concerns is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report. I also request that Equifax be required to provide a prompt and satisfactory resolution to my dispute, including correcting any inaccuracies on my credit report and permanent removal of the disputed negative items on my credit report. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC (NY)

I used my XXXX XXXX XXXX for a purchase, which came out of my account. Then I was refunded that amount. Now the payment company is saying I owe them the amount paid, plus {$20.00} as a few for the returned payment.
Consumer complaint received 2024-04-16
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed unauthorized and inaccurate inquiries and aged collections on my XXXX, XXXX, & TRANSUNION credit report. According to the FCRA ( Fair Credit Reporting Act ). LEGALLY these unauthorized items must be removed. 
These are not in pursuit and do not belong to me whatsoever. I have no knowledge of these items ; 15 U.S.C 1681 B Furthermore, I have mailed verifiable information to all 3 Credit Bureaus multiple times with the intent of immediate removal. I have stated all unauthorized items on all 3 of my credit reports as well and they have REFUSED to cooperate.
Consumer complaint received 2024-04-16
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. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have had several loans from XXXX XXXX located in XXXX, SC. I had one loan that was paid in full but have several late payments being reported. Im asking for a XXXX deletion of those late payments to help improve my credit moving forward. I have always paid them in full and would appreciate the deletion and report it to all credit bureaus. Thank you for your past when I needed help. I paid all loans completely.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
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. (MI)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI [ XXXX ] Last XXXX of XXXX : XXXX Credit Bureau : Equifax, XXXX, and XXXX RE : Reinsertion of unverified accounts To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, I disputed accounts reported by Equifax, XXXX, and XXXX in the file you maintain under my Social Security number. 

I was informed on XXXX, XX/XX/XXXX, XX/XX/XXXX that the negative item ( s ) were deleted from my credit report. Now I have discovered that the items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, MI XXXX Unit XXXX DL number : XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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 never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

we were in bankrupcy with nationstar, they claimed they were not getting payments from bank rupcy court.. we pulled out of bankrupcy and started sending payments o them. i belive they are holding the late payments from bankrupcy court agianst me. if i was months behind they would have reposessed. my atorney was XXXX in XXXX va, the bankrupcy court judge was a XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

On XX/XX/2024 I received a copy of my consumer report and I was shocked at the fraudulent activity that was furnished on my profile. XXXX XXXX and XXXX XXXX both are listed on my consumer report. Each company has XXXX accounts with debt that does not belong to me. I have filed a FTC report and I have requested an investigation into these matters with the companies and I have not received a response. I have never consented to any contracts with these companies and I have never given anyone permission to use my nonpublic personal information. According to XXXX XXXX XXXX it is required by federal law for you to investigate these items and provide me with anyone information that has first hand knowledge of this alleged debt within a reasonable timeframe or these accounts should be promptly deleted from my credit report.
Consumer complaint received 2024-04-16
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (MT)

This XXXX  XXXX or XXXX when my homeowners insurance was taken out and extra XXXX plus dollars came off my balance. 

I get a new statement saying my escrow is XXXX short so my payment is going up well if I am paying XXXX a year in escrow and my insurance is XXXX and my taxes are not XXXX how am I short XXXX??? 
I'm afraid I can't trust anyone at wells Fargo. 
When I was going through hard times from an accident they wouldn't refinance my loan and add three years they wanted to foreclose so all my money from my accident went into paying my loan back to save my house. That was XXXX? 
Would love someone to look over my loan that's not from Wells Fargo as I have seemed to only pay off a little over XXXX since XXXX.
Consumer complaint received 2018-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMPQUA HOLDINGS CORPORATION (CA)

On or around XX/XX/XXXX-18 I filed a transaction dispute with a teller at XXXX XXXX   regarding a purchase at XXXX XXXX that was missing items. 

I explained to the teller that my order was incomplete and after trying to get replacement items from the company through emails for about a month they never sent some of the items I had paid for. 

I provided some of the emails and a statement to XXXX XXXX at their request for my evidence disputing the charge. 

On XX/XX/XXXX18 I received a credit from XXXX XXXX for {$180.00} which was the original purchase price at XXXX XXXX. 

On XX/XX/XXXX18 XXXX XXXX removed my credit of {$180.00} and in a letter umpqua bank stated that " no error had occurred and based on my agreement with the merchant my order had been processed correctly '' This confused me greatly as I thought the information that I provided clearly indicated that I did not receive some of the items I paid for. 

On XX/XX/XXXX18 I returned to XXXX XXXX to re-file my dispute and even provided more of the emails to show my order was never completely fulfilled. 

OnXX/XX/XXXX18 I received a 2nd credit of {$180.00} while XXXX XXXX re-investigated my claim. 

I thought the situation would finally be over, as I could not believe that if someone actually looked at the emails I provided from XXXX XXXX and myself it was clear I never received my complete order. 

Then it happend. 

On XX/XX/XXXX18 I received a letter from XXXX XXXX stating that my claim was again denied because " no error had occurred " and they closed my dispute.

On XX/XX/XXXX18 I again went to my local umpqua branch pleading with the teller to please contact someone in the dispute department to help me. She told me she would call me back that afternoon and never did.

On XX/XX/XXXX18 I called XXXX XXXX customer service phone number that was provided on their letter and spoke to XXXX about my situation. XXXX informed me that the dispute department is a closed department and there is nothing I or anyone can do about the situation as they only allow for one dispute inquiry and once the decision is made its final.

XXXX informed me that XXXX XXXX provided a tracking number that I received the package form the merchant on XX/XX/XXXX18 and that was the reason why my dispute was denied. I never claimed that I did not receive a package my contention is that it was missing items. This is the part I didn't understand and asked XXXX " if they sent me a box of dirt and I received it does that mean my order was fulfilled as purchased ''? That's why its seems no one read the emails between XXXX XXXX and myself. 

I asked XXXX if there was any recourse or agency that could help me further and he said " no ''. 

Then through my own research I found the CFPB.