davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-24
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: Cascade CISS Holdings, LLC (FL)

I sold apartment in NY put {$30000.00} down on house and put in my husband name ONLY as his income was better for a fixed mortgage my husband for XXXX  years.He owned company in XXXX and commuted. He died in XXXX XXXX which is suspicious, due he was arriving in USA next day his daughter put divorced on death certificate.. my family flew down Immediately.. I was deleted at home called XXXX and said he died they gave me no help.. His daughter took all information from his lap top and said she was me.my attorney called XXXX to not refinance.. there was a tax lien on house which I was trying to handle IRS.. I received paperwork from XXXX in email telling me refinancing and IRS was included. XXXX was very difficult.. I proved continual married and our Attorney helped my sister and I pay off mortgage they had no right going in my credit report XXXX  never called me.. my XXXX attorney ihas proved fraud that there was no divorce and they are being served by a judge. I HAD NOTHING TO DO WITH XXXX AND THEY ALMOST GAVE MY HOME TO A THIEF.. 
I WANT THEM OFF MY Credit REPORT NOW I WILL TAKE LEGAL ACTION ON XXXX. I AM XXXX and THIS IS IDENITY THIEFT, and XXXX IS INCOMPETENT
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 : {$0.00} XXXX XXXXXX/XX/2022
Consumer complaint received 2024-04-22
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. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was required to pay off my XXXX XXXX XXXX  in order to purchase a building for my business. I complied and paid it off. XXXX XXXX XXXX XXXX, and Transunuon refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that XXXX XXXX, XXXX, XXXX and Transunuon completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the XXXX XXXX, XXXX, XXXX, and Trabshnionfor them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for XXXX XXXX was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/XXXX  or I will be seeking financial restitution. I have verification when XXXX XXXX cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.
Consumer complaint received 2024-01-02
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)

I just reviewed my Equifax and XXXX credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Consumer complaint received 2024-01-02
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. (PA)

XXXX XXXX - XXXX I was never late on this account, please update this on my report XXXX  - XXXX I was never late on this account, please update this on my report XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This XXXX is Incorrect XXXX  XXXX XXXX XXXX XXXX This is not mine XXXX  - XXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are 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 XXXX
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1 year ago I opened a secured credit card with Bank of America, with {$2000.00} as deposit. About 6 months ago, as I was leaving the country, I closed the credit card. At that time, they said the {$2000.00} will be back to my account in 2 weeks. 

Then during the past 6 months, the money still not in my account yet. I tried to call them for more than 5 times. Everytime the specialists said my money will be back in 1 week. But till now I received nothing. As I still need the bank account to receive the money, I keep the account open and need to pay monthly fee which is {$12.00} per month.
Consumer complaint received 2024-01-02
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. (GA)

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.

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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX XXXX 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 2024-01-02
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 just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Consumer complaint received 2024-01-02
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. (SC)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; 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 2024-01-02
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)

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
Consumer complaint received 2024-01-02
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. (UT)

I filed a complaint in XXXX about misreporting to my credit. I have never been late. XXXX  simply copy and pasted their complaint findings from the prior complaint and never addressed the fact that I have a 30 day late for XXXX. They also didn't address that I discussed this with an agent in XXXX and that agent from their company stated that the 30 day late would be removed. It is still on my credit.
Consumer complaint received 2023-11-08
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)

To Whom It May Concern, I am writing to formally dispute the presence of certain accounts on my consumer report, as I firmly believe that they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681c-2.

Under 15 U.S. Code 1681b, which addresses the permissible purposes of consumer reports, it is unequivocally stipulated that a consumer reporting agency may furnish a consumer report only under specific circumstances, one of which is " In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. '' I wish to emphasize that I have NEVER provided written consent to any consumer reporting agency to include the disputed accounts in my consumer report. This infringement directly contravenes my rights as a federal pro-consumer individual. 

Furthermore, I must bring to your attention that the inclusion of these accounts on my consumer report without my consent amounts to identity theft, a matter I have promptly reported to the Federal Trade Commission ( FTC ) and for which I have been issued an FTC reference number ( XXXX ). As an identity theft victim, I urgently demand the immediate removal of these accounts and inquiries from my consumer report. 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiry Information : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 According to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than four business days after the date of receipt. It has now been more than 30 days since my initial request, and your agency remains in violation of this law by failing to promptly address my dispute as a victim of identity theft.

I want to make it abundantly clear that my dispute is not with the creditor associated with these accounts but with your reporting agency, which I did not authorize to include this information in my consumer report. I kindly request the immediate deletion of these items from my consumer report to rectify this unsettling situation.

I fully anticipate your agency to act in accordance with the FCRA and federal law with the utmost expediency. Failure to do so may compel me to take legal action to safeguard my rights as a consumer. I earnestly appreciate your immediate attention to this pressing matter.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

I ordered a {$250.00} 2 piece set from XXXX a website from a individual seller who scammed me and never sent the clothing, reported to my bank the fraud transaction on XX/XX/XXXX and made a claim and havent heard from PNC bank since or gotten my money back. The merchant company XXXX emailed me and stated they accepted chargeback but still no money from them or PNC. 
The PNC claim # is XXXX and the department number is XXXX XXXX XXXX
Consumer complaint received 2023-12-06
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: Self Financial Inc. (IL)

I took out a " loan ' from a credit building company Self financial to rebuild my credit. Since joining them my overall credit score has went up as they have told me However My score does not reflect them as a whole. It reflects other credit building apps and credit repair I have done. Every time my credit does take a ding and goes down in points, the credit monitoring services sends me notice that it's because of the self financial products. I've attached a couple emails to show. They have to be reporting something wrong because I have paid every one of my payments on time and before it was due. I have the loan and I have a self-building credit card. It's actually our money we're putting into an account that they charge us interest for using and then they charge you money for the card? It's our money? They also have changed banks one other time during my short time with them so I'm one 's credit report it looks like you have closed out that bank and started another one and then your age of your account goes down. I also meant to pay the credit card off in full and then they applied it to the loan therefore I had to pay another full amount of the credit card to pay the credit card off It's actually self-building credit card. They would not credit me for this I'm on a fixed income that's a lot of money for someone and if they aren't on fixed income. I had to pay for their mistake. This company needs to be investigated to its fullest I have tried to communicate with upper management. I go to reply to the emails they send me and it goes to a non-monitored email so I'm unable to get an email to them. I would like my credit report to reflect my payment history with them and not this frivolous stuff that causes my credit score to go down see attachments
Consumer complaint received 2023-09-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TapTap Send Inc. (WV)

The company closed my account without any notice. I had to call them to inquire about it. Initially they gave me a run around but eventually they claimed that they had suspended my account due to a security concern. When I inquired what the concern was they told me to read the terms and I would find it there. They didnt point me to anything specific. They also closed my husbands account the same way. The only transfer we had attempted to make was to my father-in-law, and that transaction clearly didnt have any security concern because even the names match! The ridiculous part is that no one is able to explain what happened so they just point out to their security concerns, which is very vague. 
The fine print is ambiguous and can be interpreted in many ways. They need to amend so that it can have specific details to it that can be easily sited. 
I was able to find many similar complains online about this company, which means that its their common business practice.
Consumer complaint received 2018-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

XXXX XXXX, XXXX XXXX XXXX XXXX . 
XXXX, Fl. XXXX This complaint is follow up on complaint # XXXX XXXX  XXXX XXXX I received a Notice to Foreclosure from the company XXXX sold my account ( Carrington Mortgage Services LL. XXXX XXXX XXXX, XXXX, IN XXXX demanding $ XXXXfor none payment of mortgage from XX/XX/XXXX- XX/XX/2018. I received a letter XX/XX/2018 stating my mortgage was sent to the carrington company and to make mortgage payment to them starting XX/XX/2018. XX/XX/2018 l sent a certified check in the amount of {$1100.00} to carrington company and the check was returned with a letter stating l owed them {$7000.00}. i CALLED THE COMPANY AND THEY STATED NO MORTGAGE PAYMENTS WERE PAIR TO XXXX from XX/XX/XXXX-XX/XX/2018. I explained to them that l paid the mortgage during that time in person to the regency XXXX, in XXXX, Fl. I have been trying to contact the mortgage dept of XXXX to know avail. The money seems to have been stolen from my account. I ask for a copy of my payment account and no one will help me.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX didn't not update information of paid off account promptly after they were provided the proof they requested. 

I was required to pay off my TD Auto loan in order to purchase a building for my business. I complied and paid it off. TD Auto refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that TD Auto completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the TD Auto and Equifax, XXXX, and XXXX for them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for TD Auto was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/2023 or I will be seeking financial restitution. I have verification when TD Auto cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.