davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
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. (NY)

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
" ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) in general : If, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

This was put on my credit report there is a social security number on my credit report that doesn't belong to me. I don't know if this SS # was used to open this account XXXX XXXX XXXX XXXX XXXX, GA XXXX this debt was open in XX/XX/10 I wish to dispute this debt.
Consumer complaint received 2023-11-20
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. (CA)

I have been disputing an account that is unlawfully on my consumer report with XXXX, Equifax and XXXX. 

They have refuse to even acknowledge the issue with my request and continue to send me cookie cutter dispute responses that doesn't address the issue. 

The request was for a Child Support account to be removed as the name does not match my legal name ( My legal name is XXXX XXXX XXXX and they are reporting it on my account as XXXX XXXX XXXX ) and the account should be removed due to it not meeting FCRA requirements. 

I also disputed this with the child support agency ( XXXX XXXX XXXX XXXX XXXX ) and they have now closed this account due to their error yet the it still appears on my report. 

I am demanding this account be removed as it is inaccurate and effecting my creditworthiness and not allowing me to obtain much needed business credit to improve my families situation. 

Attached is a letter from them proving that this account is now closed and it clearly still shows my legal name being in error which is an FCRA violation and should be removed from report for good. 

I am ready to take legal action if the request remedy does not take place as this is a direction violation of my rights. 


XXXX Co Acct # XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally demand the immediate deletion of the derogatory item associated with my account, referenced above. The reported details are as follows : XXXX Reported Balance : {$2900.00} Last Reported : XX/XX/XXXX Account Opened : XX/XX/XXXX Account Closed : XXXX XXXX, XXXX Remarks : Collection Account Dispute Status : Resolved ; consumer disagrees, account closed by consumer I am deeply concerned about the accuracy and legality of the reporting of this account, specifically : Furnishing of Personal Information : I maintain that my personal information has been reported without my explicit written permission or instructions. I have not provided consent for the disclosure of this information and demand immediate deletion of this PRIVATE PERSONAL information Account Validity : I dispute the validity of the reported account as a collection account. The remarks indicate that the dispute has been resolved, but I disagree with the reported information. I request an immediate and thorough review of the account 's history and supporting documentation to verify its accuracy. 

Cease and Desist Reporting : Given the disputed nature of this account and the concerns raised about the furnishing of my personal information, I demand the immediate cessation of reporting this item to all credit reporting agencies. I expect that the derogatory item is removed from my credit report promptly. 

In accordance with consumer protection laws, I assert my right to accurate and verifiable information on my credit report. I kindly demand that you take the following actions : Delete the derogatory item associated with this account from my credit report immediately. 
Confirm in writing that the reporting to all credit reporting agencies has ceased. 
Provide a detailed response outlining the steps taken to remedy this situation and prevent further unauthorized disclosures. 
I request a written response within 30 days of receiving this letter, confirming the actions taken to address my demands. Failure to comply with this request will prompt further action, including filing complaints with regulatory authorities and seeking {$1000.00} per violation. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution.
Consumer complaint received 2023-04-19
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-05-17
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: Early Warning Services, LLC (FL)

I have already contacted XXXX XXXX and Early Warning a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )
Consumer complaint received 2017-05-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NM)

I had a few collections on my credit report and after I looked into them, to find out what they were about, (  XXXX   XXXX  ) I found out the address they had was an address I was at for a very short period of time. I never knew I owed money and after calling the original creditor (   XXXX   XXXX   ) I found out they indeed did not have my correct address and she also mentioned they had the wrong number for me at the time. I was told they would remove the collection from my credit report if I paid the collection agency ( Around  XXXX   XXXX  ). I called the collection agency  ( Transworld Systems ) and told then  what I was told by  XXXX    XXXX   billing dept and they sad " sure if they (   XXXX   ) agreed to remove it we can ''. On  XXXX   XXXX  I paid Transworld for both of the collections  ( One  for {$70.00} and the other for {$230.00 } ).  I, after this filed a dispute with the credit bureaus because the collections show as paid but not removed. I received the dispute results from   XXXX   the collection company is still not removing it. They show it was paid but did not remove it even though I was told it would be removed since the address was wrong.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NM)

THIS IS THE SECOND TIME THIS HAS HAPPENED XXXX. Logged in on XX/XX/XXXX or XX/XX/XXXX, accessed the payment system, made required selections and submitted the payment.

2. The payment processed but there was no confirmation number ( this has happened before ) and no error message or any indication that the payment did not go through. I moved on to my next task.

3. XXXX month later I logged in again to make my next monthly payment only to find that I had missed a payment. The XXXX payment. 
4. I verified that it did not clear the bank.

5. I immediately contacted Mr. Cooper support and they indicated that the payment was late.

6. When I asked them to check to see when I last access the payment system, I was told that they could not verify that I logged in on XX/XX/XXXX or XXXX since they outsource their IT and would have to request that information. 
7. I was told that Mr. Cooper called several times but I can confirm that I never received a call from Mr. Cooper or NationStar. I told the rep that.

8. The representative said that Mr. Cooper does not show up on " Caller ID '' it would be an XXXX or such number. 
9. I explained that I do not answer calls from " unknown '' numbers because of the potential of spam and scams. There are too many scams and too much spam. If I knew the call was coming from Mr. Cooper I would have answered the phone. 

NOTE : Mr. Cooper 's website is so out of synch it I made the payment discussed above and the site is now telling me I am XXXX payments behind.
Consumer complaint received 2023-11-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance : Back when XXXX hit, I was in a difficult situation regarding making payments, I worked at a sandwich shop and those type of retail/food places were hit hardest regarding hours and pay. I called in, which I have plenty of times and they always end up giving me wrong information but i am sure its not notated, I mentioned hardships and they offered a program for XXXX. My understanding of the program when I spoke to a representative was that they would put my payments on hold until I got back on my feet or found a different job that could supply me with the total of my monthly payment. Fast forward to when I did end up getting a stable job with stable hours to pay for my car payment, they mentioned I was about XXXXXXXX XXXX PAST DUE. They did not inform me all the payments I missed would become past due payments. I now am XXXXXXXX XXXX past due because of XXXX, the only way I am keeping my car is paying XXXXXXXX XXXX more a month on top of my car payment to lessen the XXXX XXXX. I make payment plans instead of autopay just due to how I operate. I was told the other day by a representative I had a two day grace period to make my payment after the " payment plan '' pay by date. That was on the XXXX and I ended up getting paid on the XXXX. They added XXXX XXXX  onto my payoff amount recently due to the two day late payment. They request I pay my monthly payment ON top of another XXXXXXXX XXXX to create a new payment plan since the initial one created on the XXXX was broken due to me trusting the previous rep about the XXXX day grace period.I feel they took advantage of my misunderstanding regarding the covid plan put in place back in XXXX. Not to mention, my catalytic converter was stolen off my car back in XXXX and my own dealership couldn't help me with a new one because the dealership XXXX XXXX that I went through to get the car initially cause of my not-so-great credit score also ended up getting all the catalytic converters stolen from their own cars on the lot.
Consumer complaint received 2023-11-20
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. (NJ)

I have numerous inquiries and addresses and an account that I do not recognize and do not belong to me. I contacted the 3 credit bureaus to remove them and they told me to do a Identity theft report and they would not remove them.
Consumer complaint received 2023-11-20
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. (IL)

XXXX XXXX  INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021XX/XX/2021
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WA)

I have been banking with US Bank for about 10 years. When I transferred my checking account here to XXXX XXXX, I have had several illegal transactions happen. I made cash deposits in early XXXX and the cash was held over the weekend!!! They have been inconsistent with my overdraft protection!!! Just before I closed the account, there are several overdraft charges included in the final checking account statement. Overdraft protection should not be cancelled when a banker feels like it!!!! Very Unhappy with the bank. The branch here in XXXX has been closed!!!!
Consumer complaint received 2022-12-20
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Inquiry 1 ; which was not answered with any comprehension On or about XX/XX/XXXX ; changes and amendments were made to the Citizens Bank Mortgage Account without authorization by the Mortgagor. Online requests were made but no reply given to the list of questions submitted on : ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). 

Inquiry XXXX ; which has not been answered at all There was a Deed/Title Transfer/Amendment on the Mortgage Account and/or Property that Citizens Bank gave written approval/acceptance for XXXX Many letters of inquiry submitted via Fax, US Mail, and Citizens Online ; in XXXX XXXX and XXXX XXXXXXXX : ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ).
Consumer complaint received 2023-11-20
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)

In accordance with the Fair Credit Reporting act 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 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-19
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. (NC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-21
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. (IN)

Original Creditor XXXX XXXX reporting old private student loan information to the three major bureaus : Transunion, XXXX, and XXXX. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX 4 credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All 3 bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the 3 major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.
Consumer complaint received 2022-12-20
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX