davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been dealing with a fraudulent account appearing on my credit report, which is managed by Equifax. This account, wrongly attributed to me, is believed to be the result of identity theft. Despite my diligent efforts to resolve this issue directly with Equifax through formal disputes, I have yet to receive adequate or any response, leading me to seek the intervention of the Consumer Financial Protection Bureau ( CFPB ). 

My first dispute letter was sent to Equifax on XX/XX/2024, where I detailed the fraudulent nature of the account linked to XXXX ( XXXX XXXX  XXXX XXXX XXXX ). Alongside the dispute, I provided Equifax with a copy of the FTC Identity Theft Report to corroborate my claim of identity theft and formally requested the immediate removal of the fraudulent account from my credit report. I also asked Equifax for any documents related to the account, especially those bearing signatures, to further demonstrate my non-involvement in its creation. 

Following no acknowledgment or response from Equifax to my initial dispute, I dispatched a second letter on XX/XX/2024. This communication not only reiterated my demand for the fraudulent account 's removal and the supply of related documents but also sought an explanation regarding the method of verification Equifax purportedly used to investigate my claim, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Both letters were sent via certified mail, ensuring Equifax 's receipt of my disputes and requests. However, the absence of any form of communication from XXXX it acknowledgment of my dispute, provision of requested documents, or explanation of their verification processstands in direct violation of the FCRA stipulations, which mandate a reasonable reinvestigation of disputed information within 30 days. 

This ongoing lack of response from Equifax compels me to request assistance from the CFPB. My objective is clear : to ensure the fraudulent account is removed from my credit report since Equifax has not complied with the legal timeframe for response post-dispute. The failure to address and resolve this issue not only impacts my credit score unjustly but also disregards my rights as a consumer to have inaccuracies on my credit report corrected in a timely and transparent manner. 

I am seeking the CFPB 's support to enforce my rights under the FCRA, ensuring that Equifax conducts a thorough investigation into my dispute, removes the fraudulent account as required, and provides a detailed account of the investigative methods used, all of which should have been communicated to me following my initial dispute and subsequent follow-up.
Consumer complaint received 2024-04-09
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. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (PA)

I am a victim of Id theft I have been contacting American Express regarding this account and have submitted multiple documents. I have been met with silence from the back office on why they keep rejecting my claim. I was first told that payments made on this account. Were valid and I submitted documents proving that was inaccurate and due to checking accounts being opened in my name. I have requested MULTIPLE phone calls and havent gotten one.
Consumer complaint received 2018-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I own a house in XXXX XXXX, NJ and I am having a tremendous amount of difficulty with Lakeview Loan Servicing and the Borrower Loss Mitigation Application. 

I am very concerned about the mortgage. In XXXX, XXXX, and XXXX, I have made several phone calls to Lakeview and have not been able to move forward with obtaining a positive resolution to the Borrower Loss Mitigation Application. I feel that I have been ignored.

When I called, I was told that Lakeview had changed my representative. They have changed the represenattive 3 times. These changes have delayed the process of my application. The first representative did not reach out to me. 

At this time, I submitted this Borrower Loss Mitigation application approximately 3 months ago. Additionally, I have submitted the requested documents to Lakeview over and over again. It was only after I called again, and I filed a complaint, that a new representative was assigned to me. Then, I was told that I needed to send the application documents once again. This is totally unacceptable. 

Last week, I called and my representative was changed once again and was told that the lawyer proceedings was suspended. 

I am unclear why a lawyer has contacted me, giving me 45 days to settle this outstanding debt, and to remove myself from the property when I have I completed the Borrower Loss Mitigation Application several months ago and the delay has been on Lakeview 's side and not mine.

I need to hear back from Lakeview as soon as possible. I need to receive confirmation that my application was successfully processed. I want to be back in good graces with my mortgage.

I have been in steady communication with Lakeview and I an unclear as to why a modification has not been provided to me as of yet, given the fact that I have a reduced income. I continue to look for employment at a higher salary rate, and I am very interested in being in compliance with my mortgage.

I feel like I have been going in circles with them.

At this point, I wonder why are they not processing my application and continuously changing my representative.

I have involved the organization HOPE with my case with Lakeview.

Many thanks for your help and speedy attention to this stressful matter.

All my best.
Consumer complaint received 2023-04-23
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. (NV)

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$850.00}.
Consumer complaint received 2024-04-09
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. (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.

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 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Accordind to to credit report I noticed that my right to privacy was violated. Accordind to 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 an 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.The accounts in question are listed below violates my right to privacy XXXX acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct ; XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX XXXX : acct # XXXX,,..
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Equifax removed XXXX credit cards accounts with XXXX XXXX XXXX XXXX  and XXXX Bank saying l filed for identity theft which isnt true. I disputed the balance only with them. Never Identity Theft. Also they sent something to XXXX XXXX Stating Identity Theft which isnt true. 

I reported identity theft for the XXXX close accounts with XXXX XXXX and XXXX 

I have XXXX accounts with XXXX XXXX XXXX card account # XXXX ( Card XXXX ) and # XXXX ( Card XXXX XXXX XXXX XXXX XXXX  opened XX/XX/ account # XXXX opened XX/XX/2014 XXXX XXXXCar loan These XXXX accounts are valid accounts
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax had 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, weighed my credit score down for months even after I disputed them and XXXX XXXX XXXX was placed to times on my credit and deleted. I had even sent letters and it took months after the creditor requested to be removed. Equifax has had so many errors at my expense its not right. The time frame is forever as to correcting the credit issue as well as my score not changing due to errors. Equifax has many issues that even with employment been sent to you address phone number XXXX uploaded Pay check uploaded and still wrong spelling of company incomplete information. If Equifax is updating as said month after month why has it been over 6 months and the information is still wrong. I have filed so many complaints to errors made on Equifax part.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My subsidized and unsubsidized loans were " forgiven '' in XXXX of XXXX. I have been paying on them for well over 20 years so the time was up. Anyway, they show as paid in full on the provider 's portal but still show a balance on my credit report. There is also a refund of over {$3000.00} due to me that has not been received. I disputed this with the credit bureau but they were advised the reporting was accurate?
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is reporting incorrect information to the credit bureaus. 
XXXX XXXX XXXX is reporting a balance of {$9500.00} which is incorrect. The balance is {$0.00}. 
XXXX XXXX XXXX is also reporting late payment for XX/XX/XXXX, which is incorrect. 
The payment was not late for XXXX. The final payment was due XX/XX/XXXX and the payment was made XX/XX/XXXX in the amount of {$3500.00}. 

XXXX XXXX XXXX has also reported the following payments as late however, the payments were not late. The due date is the XXXX of each month with a XXXX grace period so the payments are not late until the XXXX of each month. 
Monthly payment amounts {$430.00}. 

Payment date Status Amount XXXX {$3500.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$400.00} XXXX {$100.00} XXXX {$210.00} XXXX {$430.00} XXXX {$100.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00}
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a copy of my TransUnion credit report and Transunion is reporting that I defaulted on my XXXX XXXX XXXX XXXX and it has never been in default I have enclosed a letter from XXXX XXXX  stating this loan has never been defaulted
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (WA)

Discover Card is reporting a 30 day late on my credit reports. I have asked for a good will removal of this late payment several times since it is adversely affecting my credit and it was only a bit later than the 30 days. I have consistently made my payments on time prior to and after this late payment. They refuse to remove it.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request the immediate removal of several accounts on my credit report that are inaccurately marked as charge-offs due to identity theft. I have recently become aware of this fraudulent activity, and I am taking prompt action to rectify the situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I have attached supporting documentation, including a copy of the identity theft report filed with the appropriate authorities and any other relevant information. This documentation serves as evidence of the identity theft and supports my request for the aggressive and immediate deletion of these erroneous charge-off entries. 

I understand that, according to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are required to conduct a reasonable investigation into any dispute within 30 days of receiving the dispute. Given the nature of identity theft and the potential harm it can cause to my financial well-being, I request that you expedite this process and take aggressive measures to remove the fraudulent charge-off accounts from my credit report at the earliest possible time. 

I kindly request that you provide written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. Additionally, please ensure that my updated credit report is sent to all entities that have received my credit information within the last six months. 

Your immediate attention to this matter is crucial, and I appreciate your prompt assistance in resolving this identity theft issue. If you require any further information or documentation, please do not hesitate to contact me.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair act XXXX account # XXXX has violated my rights. 15 u.s.c 1681 section 604 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions!
Consumer complaint received 2023-08-08
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. (TX)

I have an account on my credit report that should not be there. The company has sent me a letter confirming that account has been removed from my credit report. It is still showing on my report and needs to be removed asap. I have attached the letter.
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (NV)

I submitted a dispute for the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2024-01-04
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXXXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

Withdrew all but a few -approximately XXXX - dollars from a savings account. Called pnc to close an account, representative told me account was closed and a check with remaining balance would be sent. Check was not recieved, and since pnc has charged low balance fees on the account.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, 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. (CA)

I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then these company below pull my credit report without my authorization.