davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OR)

I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. After thoroughly reviewing my credit report, I have identified unauthorized and fraudulent entries that are negatively impacting my credit score. 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. 
XXXX XXXX XXXX XXXX XXXX I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 
I understand that, under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. The presence of these fraudulent accounts is not only damaging my credit score but is also a violation of my rights as a consumer. 
I kindly request that you provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested for the removal of all personal information that does not apply to my current personal data. XXXX, XXXX and TransUnion have violated the law by failing to remove this information. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, Trans Union, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (VA)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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. (VA)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (PA)

This letter is to inform the company mentioned of the inconvenience due to the data breach of my personal information, which led to my identity being stolen. A report was made with the proper bureaus regarding this situation, in the year of XXXX and XXXX. With that now mentioned, a request for my information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I attach proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Look forward to hearing from you. Thank you for your cooperation.
Consumer complaint received 2024-01-11
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. ()

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. 


I told XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/23, Apple/Goldman Sachs froze my credit card and savings account without any warning. I have made multiple calls and requests for information but have been stonewalled at every turn. So I am reaching out to the US government for help in understanding why this blockade is happening.
Consumer complaint received 2024-01-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

This company states that they are arbitrator of XXXX XXXX. They state that I opened this payday loan on a bank account in my name. I do not know an information about this. This law group is using abusive and taunting tactics to exploit. I have asked several time to put all of this in writing. Apparently with their arbitrator this is in active court but can not or will not provide further information. I donor have knowledge of this and I am asking for proof of their claim or STOP CALLING and Provoking me.
Consumer complaint received 2024-08-07
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. (LA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXXXXXX ) was place on my credit I never had XXXX  Ive contact the several times they found out it was. Fraud or identity theft they removed it from two of the credit bureaus but equifax still reporting it which is causing a negative impact to my credit
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Home American Mortgage Corp (CO)

We did not buy a XXXX XXXX home because it was in shambles 2 days prior to closing ( on XX/XX/2017 ). XXXX XXXX XXXX, Home American Mortgage proceeded with the loan without our knowledge. We just received information from the credit bureau ( attached ) that we have an outstanding loan from Home American Mortgage for {$630000.00} processed on XX/XX/2017. We did not buy this home. We did not go to a closing. We did not sign any paperwork. 

Additionally, XXXX is refusing to return our {$14000.00} in earnest money. This home was in shambles two days prior to closing. It did not have finish plumbing, there was severe drywall damage throughout the home especially in the ceilings, drywall mud scattered everywhere including carpets and hardwood, whole doors were missing, electrical was missing, there was no Certificate of Occupancy from the City of XXXX. We know that this home had many other problems so we told them we would not purchase the home. 
We desperately need your help. 

Thank you, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (PA)

This debt collector contacted my daughter via text message trying to collect an debt. I have never used my daughters number to obtain credit and Im sure in court Im able to prove it from whoever the original creditor is.
Consumer complaint received 2024-04-06
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. (NC)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/2024, I called to report that a credit of {$170.00} had been issued on returned merchandise. Citibank absolutely refused to apply this credit on the monthly statement balance due of {$220.00}. 

The {$170.00} credit specifically is for the current monthly statement amount of {$220.00}. The customer service agent including the manager threatened that if the total monthly statement balance of {$220.00} is not paid, interest and penalty will be charged. This is exhortation of extracting money from the public. This can amount to millions being held by Citibank creating enormous ill-gotten gains for them. 

XXXX XXXX does not participate in such a practice as the credit amount is immediately subtracted from the current monthly statement balance due. Citibank needs to apply the same standard. 

Citibank needs to immediately apply the credit amount of {$170.00} against the current statement balance of {$220.00} instead of keeping an unjust gain of {$170.00} by forcing the customer to pay twice. 

Thank you in advance for your anticipated help with this matter. 

Best, XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (WA)

I have accounts showing on my credit report that I did not authorize. I have become a victim of identity theft. I would like these accounts removed from my credit report immediately. These are the following companies below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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. (PA)

I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX, and EQUIFAX credit reports. My latest credit report shows XXXX credit inquiries that I did not authorize.
Consumer complaint received 2024-01-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MD)

Email sent to XXXX on XX/XX/23 in which I called Multiple times and also received no email or follow up about the dispute : I am writing to dispute the amount of {$2200.00}. On XX/XX/XXXX, I received a return label for two iPhones, in which I packaged and sent back to XXXX immediately. I then proceeded to go to the XXXX XXXX location where I showed my ID as asked the manager to discontinue services on all the lines connected to my account. The manager then encouraged me to call customer service where I was advised to tell them the same information. XXXX has since still been charging monthly services for phones that I do not have. XXXX XXXX confirmed that they have received all of the phones that I returned. Therefore this amount should be disputed due XXXX  charging for services that I do not have. They also will not allow me to have access to the portal to confirm that my information has stopped being charged. They have previously tried to take money from my XXXX XXXX XXXX where XXXX XXXX  had to make the charge as fraud and deny XXXX of taking money from my account.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Bankruptcy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am in bankruptcy as of XX/XX/XXXX. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. Not to mention, it 's reporting me as late for XX/XX/XXXX when XXXX is n't even over!!
Consumer complaint received 2024-01-11
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. (NJ)

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 u.s.c 1681 Account Name... XXXXXXXX XXXX XXXX. Account # 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.sc. 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 1681 c. ( 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 crime which antedates the report by more than seven years ... ..15 u.s.c 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Consumer complaint received 2017-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have been making double payments for both federal and private loans to Navient ( total payment for each time is around {$4400.00} for 1 federal and 4 privates ). Navient had made so many mistakes by applying to all amount to one or two accounts and left the other ones delinquent and then they charged me late fees countless times for all of their own mistakes. Last December, they charged me extra payment of {$2300.00} without my authorization ( so my total payment went up to {$6700.00} ). I could n't afford to pay off the credit card for that amount. I called Navient and I also filed with my credit card company for unauthorized charge. My credit card ( XXXX ) told me they could n't refund it since it was n't stolen. I called Navient again and again. Instead of refunding the only extra payment, they refunded the extra payment twice and put my account in delinquency. I realized Navient mistake after the XXXX advised me that some changes in my credit score. My score went from XXXX in XXXX to XXXX in XXXX. I called Navient and correct their mistake by making the payment of {$2300.00}. They told me that they would fix my credit score. It never happened. I called them back on XXXX/XXXX/17. I was told that I had to write the letter explaining what happened and requesting Navient to fix it. How can this be possible when I have to do all of that when they are the one who created all of this dilemma. This was not the first time it happened and it was not the first time they asked me to write letter or correct their own mistakes. It comes to the point I think it is the way they deceive the borrowers so we can not relieve our co-signers. When I tried to apply to have my co-signers to be released of their financial responsibilities, Navient told me that I was n't qualified because I was late in my payments before. I asked them to look at the records and listen to all the calls I had been talking with their customer service. Of course their answer was the records showed that I did n't make the payment on time even though they were the one who made mistakes. I got so tired and gave up. Until today when I saw the lawsuit that CFPB filed against Navient, I know my prayer was answered. Finally, the justice is served. All the allegations on the lawsuit are very true. I 'm sure that I 'm not the only one victim here since all of my classmates and friends who are Navient borrowers said the same complaints. We are working hard to pay back our student loans ( no complaint, only appreciation for helping me with my career ) and we are struggling to fight with Navient deceit. I hope this lawsuit will bring relief to many borrowers from credit being savaged, ridiculous phone harassment, deceived late fees, and many more. Please put an end to that. Thanks.
Consumer complaint received 2023-10-02
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. (LA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX  XXXX XXXX LA XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$520.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-11
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. (CO)

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

er 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 reasonabl
e cause to believe that the information is inaccurate.