davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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. (TX)

I am not liable for this debt with XXXX XXXX for {$260.00}. I do not have a contract with XXXX XXXX XXXX, and was not provided the original contract as requested. A request to remove this illegitimate account from my credit report has been submitted several times but the furnishers of information continue to claim this account has been verified without providing proof of investigation and findings. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have checked the review on claim number of CFPB ( XXXX ). Since you required the recent print out of identity theft report from FTC, I will submit to you with this letter. Since it is still under investigation and recovery, I have still an account with FTC after half a year when the report was created ; therefore, I strongly believe I do not have to create a new account and continue to complain almost same matters which I have done for half a year. I do not have any police report, law enforcement report, ID theft affidavit, or a medical note from a physician, since it is better not to relate with them at all, even an American physician, who makes misdiagnosis such as TB, mistreatment after the car accident and treat different parts of the XXXX, and pulling off my treated XXXX  and claims himself/herself that he/she re-planted. I have already sent to your office, headquarters, the copies of my drivers license and social security numbers ; so please check the past mails if you keep. If you can not find out and really need for the initial fraud alert, please let me know by properly written letter, which I can read without mistake as already reported victim of identity theft, who is an XXXX and suffered by XXXX  XXXX  for years, especially, after the outbreak of the Pandemic along with XXXX due to the world considered the outbreak has started in XXXX. 
Sincerely,
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

SPS is in violation of the terms of my mortgage contract. 

-They are misappropriating my monthly mortgage payments ( principal and interest ) to gain more interest payment vs. my entitled principal amount, based on calculated interest and amortization. Collectively has added to XXXX  of dollars since XXXX. 

-They are in violation of miscalculating my yearly interest rate as per the Federal reserve board `XXXX constant 1 year maturity, '' as per the terms stated in my contract. 

-Upon contacting them they state that they will have an answer in " 30 days, '' it has now been months. They continue to erroneously and fraudulently apply my mortgage payment benefiting them each month in the XXXX  of dollars, as of XX/XX/XXXX payment.
Consumer complaint received 2024-04-26
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2015-06-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We refinanced our home in XXXX XXXX 2015. We were given a payoff amount of {$270000.00}. This should have included the total amount owed to Nationstar. We surprised when we only received a refund check of XXXX instead of XXXX. These funds were in our escrow account for property taxes. Nationstar informed us that XXXX was deducted for MI XXXX in XXXX. Why they are charging us MI for XXXX is unknown if the loan was paid off in XXXX. Furthermore, they took a long time to credit the payoff to our account causing us to pay extra interest.
Consumer complaint received 2024-04-26
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)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-04-26
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. (TX)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX  XXXX Account Number : XXXX Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-26
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)

Upon reviewing again my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-17
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. (CT)

In accordance with the Fair Credit Reporting act, XXXX 1 ) XXXX XXXX  - Account # XXXX 2 ) XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX ) XXXX XXXX  - Account Number- XXXX XXXX ) XXXX XXXXXXXX XXXX Account Number- XXXX XXXX ) XXXX XXXX XXXX XXXX  - Account Number- XXXX XXXX ) XXXX XXXX -Account Number- XXXX XXXX ) XXXX XXXX  - Account Number - XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX - Account Number - XXXX XXXX ) XXXX XXXX - Account Number - XXXX XXXX ) XXXX XXXX - Account Number - XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX ) XXXX - Account Number- XXXX has violated my rights. 

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

15 U.S.C.1861 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.
Consumer complaint received 2023-11-20
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. (NY)

XXXX is my social security number on experian their is one negative item that shows 60 days late its a fraud account I filed a federal trade commission identity theft report on file. Please have experian remove the one negative item off my report they supposed to remove this item right away normally when you have a federal trade commission identity theft report on file the item is remove in24 hours they did a great job in removing the credit collection account last week. The only account that's negative is the one ending in XXXX
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

I had a loan with XXXX XXXX for my vehicle. My vehicle was paid off by insurance due to it being totaled, on XX/XX/. My monthly payment where due on the on the second of each month. My insurance had contacted Kia and requested a pay off amount and let them know they would be sending a check. The check took couple days but they received mean while Kia kept sending letter to make the payment or otherwise this would go on my credit report for failure to make payment. I eventually made the payment because I didn't want my credit to be ruin just for this. Kia had mention I would get refunded if they had received and excess payment. Once everything was paid I call an ask about my payment they told me that it will take like 30 days so they can process and close the account. The 30 days passed and nothing happen. I called again and they keep telling me its on hold because they need to figure out who they sending the money to. They said wait 10 days and call again. I keep calling and they tell me its pending and they will transfer me to someone that may help me after they just hang up or always tell me they don't have anyone that speak Spanish that may help me. Its been more than two months and I havent received my money. I wish they where as good to resolve this issues and refunded me my money like they where on me to make my payment. On the account on the documents they have that they issue a refund for the amount of {$510.00} on XX/XX/ but this is not the case I never did received. There is also document saying that the amount of interest for XXXX  for my account was the total of {$710.00} which I don't know where this money is because they haven't sent me anything. I tried reach out to them many times and they just have me on hold for hours to end up hanging up on me.
Consumer complaint received 2024-04-26
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. (MO)

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attenion that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requres consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as XXXX days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

account-XXXX XXXX XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-26
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)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-01
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)

These are not my accounts and should not be on my credit report. I needed these to be remove right away. 

XXXXXXXX XXXX XXXXXXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) - Account # : XXXX
Consumer complaint received 2023-04-28
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. (FL)

On XX/XX/XXXX, I sent a letter requesting the removal of unknown accounts and inquiries from my credit file. Today, I discovered that according to FCRA 605B ( 15 U.S.C. 1681c-2 ), these items should have been removed no later than 4 business days after the aforementioned date. These errors are significantly impacting my credit score, and I demand immediate correction in accordance with FCRA. I previously raised this issue in my Complaints and I am reiterating my request. The specific items that require removal are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$6600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I want to make it clear that I did not open these accounts or authorize anyone else to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking the necessary steps to report it to the authorities.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX 4 year secured refinance loan with collateral. Payments were never late. Their last statement generated for this loan account ending # XXXX even states that when they are reporting this loan accounts last payment made XXXX and even 60 days past due with XXXX. XXXX XXXX is falsely reporting a Charged off Credit Card account thats been delinquent since XXXX XXXX XXXX XXXX which is over the 7 year delinquent account reporting statue and they refuse to remove it.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.