davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX BALANCE : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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 2023-12-15
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

When asked to stop or limit contact with debtee 's, the agent ( XXXX ) told us that they could call as much and as frequently as they wanted to ( XXXX PST XX/XX/XXXX  ) When asked about why our dispute was rejected, they said that it was invalid and refused to elaborate, only asking for how we wanted to pay. Saying that they did not have to provide any additional information, and that it was on us to prove to them that we did not owe, rather than the other way around. ( XXXX PST XX/XX/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. (TX)

Fraudulent accounts that need to be removed that's negatively impacting my credit report. 
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 these are some of the fraud accounts that was opened when my identity was stolen I uploaded supporting documents for these accounts and others.
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I paid off my mortgage on XX/XX/XXXX XXXX XXXX with excess funds left over in escrow. The check for the amount was supposedly mailed on XX/XX/. It never arrived in the US mail. After repeated calls to BECU to ask what happened to the check, a second check was issued on or about XX/XX/. That check has not arrived either.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

I was notified by my credit report there was a collection for {$390.00} being collected by a Hunter Warfield in cooperation with XXXX XXXX XXXX XXXX XXXX XXXX, PA. I have received no communication from XXXX XXXX XXXX XXXX or Hunter Warfield previously. 
In XXXX or XXXX I placed a refundable deposit for an XXXX XXXX XXXX XXXX XXXX XXXX I then found a different location and canceled the inquiry. There was no paperwork or lease signed whatsoever. Now, in XXXX, they have placed this directly on my credit report. This is a scam. I have received XXXX communication concerning this matter for XXXX years, all while living at the same address and having the same phone number. I need this removed from my credit as soon as possible. This is absolutely a false claim. 
Thank you
Consumer complaint received 2023-12-21
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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
Consumer complaint received 2023-12-21
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. (NV)

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 accounts ( A ). It is not permitted to report these accounts 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
Consumer complaint received 2023-09-25
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. (NC)

XXXX XXXX XXXX misuse of down payment, etc & XXXX XXXXXXXX data breach had many inquiries and my other credit card and accounts being hacked and resulting in multiple credit repair costs and credit monitoring etc.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-16
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. (LA)

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

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : 1 Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-21
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. (WA)

I started my investigation on my credit report back on XX/XX/XXXX. I submitted my letters to the credit bureaus and have attached a copy showing that I had requested to have the collection accounts removed. I had sent the information through priority mail next business day and they received it as of XX/XX/XXXX. I had also requested to have incorrect names and addresses removed from my report. TransUnion never responded to my initial claim, XXXX never responded, XXXX sent me a letter confirming the activity on my account on XX/XX/XXXX but never ran an investigation on my report. I sent a second letter asking to for an investigation to be completed back on XXXX XXXX, 30 days later. I got a letter from TransUnion on Monday the XXXX of XXXX saying they had completed my investigation and they had not seen fit to reopen the investigation. They have updated the results of their investigation to remove one collection account for XXXX. To date the other 2 bureaus have not removed anything. I had 4 collection accounts registered to my name ( XXXX, XXXX, XXXX XXXX, XXXX XXXX ). I also had incorrect spellings on my official names and in the letter I sent them it shows my official address that I have lived in for almost 4 years. I can verify the data they have on my names and addresses are incorrect. I have asked for statements or documentation proving the collection accounts are valid and have yet to get any data.
Consumer complaint received 2023-12-01
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX at XXXX i was making a deposit and the atm ate my checks. I called Bank of Americas 3rd party atm service and submitted a claim. When I called they said they submitted a claim and I was initially told I would get a credit within 2 days. At that time I expressed to the agent that this money was for payroll. When I checked my account on Friday, no credit was posted. I proceeded to call back on Monday and another Bank of America agent would be expediting another request which would take another 2 to 10 business days. I called on Tuesday XX/XX/XXXX. I was told by Bank of America that the agent didnt fully submit my claim either time and that I still have to wait 2 to 10 business days to receive a temporary credit. These Funds are to cover my ( Employee ) payroll. My employees are asking for their money and I unfortunately can not give them a response as Bank of America can not temporary credit me the amount that I deposit. They are asking for me to wait but I did everything on my part to make sure the claim was submitted in a timely mannner. I believe this is unfair for my team and myself when this error was through Bank of America agents and withholding my funds as they doing their investigation is unfair to my employees and myself. No form compensation has been offered and the only solution I was offer was an expedited 24 review on my claim after I said I would file a compliant and potentially speak with an attorney
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This inconsistency raises serious doubts about the accuracy and reliability of your bureau 's reporting practices. As a consumer, I rely on the credit reporting system to fairly and accurately represent my creditworthiness. The continued reporting of fraudulent accounts damages my credit standing and undermines my confidence in your bureau 's ability to conduct a thorough and reliable investigation. I was the victim and Im 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. Despite providing clear evidence and successfully resolving the issue with other credit bureaus, it appears that your bureau continues to report these fraudulent accounts. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 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 how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 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 how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX -PLEASE DELETE!!! 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 how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX-PLEASE DELETE!!! 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 how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I request an immediate and comprehensive review of the fraudulent accounts on my credit report. Please explain why these accounts persist on my credit report despite being recognized as fraudulent and removed by other credit reporting agencies. Additionally, I demand that your bureau rectify this situation promptly by deleting the fraudulent accounts from my credit report.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

Venmo has locked my funds since XX/XX/2023 I am unable to withdraw! 
they keep fooling me around with copy paste emails or they ignore my emails completely. they are a criminal organization who is fooling people in order not to payout! they stole {$1800.00} from me!
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This inconsistency raises serious concerns about the thoroughness and accuracy of your investigation process. As a consumer, I am entitled to a fair and uniform assessment of all fraudulent accounts on my credit report. I was the victim and Im 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. It is bewildering that your bureau would acknowledge the fraudulent nature of some accounts while neglecting to address others. 
XXXXXXXX XXXX XXXXXXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX -- PLEASE DELETE!!!! 
I demand an immediate and comprehensive review of all the fraudulent accounts associated with my credit profile. If certain accounts were deemed fraudulent and subsequently removed, it stands to reason that the same rationale should be applied to all such accounts. Please provide a detailed explanation for the selective removal of fraudulent accounts and clarify the criteria used to determine which accounts are considered fraudulent and which are not. Transparency in this matter is crucial to rebuilding my trust in the credit reporting system.
Consumer complaint received 2023-12-21
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. (NJ)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 odverse item of information, other than records of convictions of crimes which antedates the report by more than seven 15 U.S.C. 16815-2 ( 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. 

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 2018-12-31
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION (TX)

I read online that Navy Federal Credit Union had a fine imposed due to their debt collection tactics. I experienced this issue with the credit union due to initiating a short sell in XXXX. My accounts were frozen without receiving notification and then when calling the credit union to find out what was the issue not receiving immediate answers. I also received several calls and letters from the organization despite having contracted with a lawyer that informed the credit union they were to contact my lawyer and not me. The short sell was finalized in XXXX. 

Since learning of the fines imposed I have called the credit union on at least 3 occasions to discuss what type of compensation I would be receiving as I was a victim of the unethical debt collection tactics. No one knows what I am talking about at the credit union and none of my accounts have a received a credit due to imposed fines. Please assist.
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.