davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (TX)

The final account statement in the amount of {$4600.00} should be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/ 2023. As such, I submitted a notice to vacate on XX/XX/. Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings.
Consumer complaint received 2023-07-10
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. (FL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-06-08
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. (NY)

XXXX and collection or financial company by the name of XXXX XXXX XXXX XXXX XXXX have been reporting inaccurate information on my credit report. The account number is : XXXX I have written the company XXXX XXXX XXXX XXXX XXXX with a debt validation letter and they responded back after a cease and desist. They never sent the legally required document that suffices a debt or a debt validated. They have multiple consumer violations within their letter and letterhead. I would like the account removed and compensated no less than {$100.00} and not more than {$1000.00} per violation. 
The certified mail tracking number is : XXXX All supporting documents will be included.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (RI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.
Consumer complaint received 2019-07-17
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. (GA)

I contacted equifax, XXXX  and XXXX  to get inquires removed off my report that should not be there. After 3 months I have not received any changes on my report.
Consumer complaint received 2018-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

In XX/XX/XXXX, I was called on the telephone by a debt collection agency trying to collect a debt from a hospital stay in XX/XX/XXXX. The person on the phone was rude and demanded payment immediately even though he had no information about the exact services rendered. I disputed the bill in writing, until further proof and itemized bills could be produced. Once I received an itemized bill, I was able to verify what the correct charges were and I paid the bill in full with a personal check in XX/XX/XXXX. The check has been cashed and cleared my bank account. Since that date I continue to received bills from the same company, and another company under a different name ( XXXX ).  I have called both companies and told them that the bill was paid in full, providing copies of cancelled checks, but I continue to receive bills on a monthly basis. I am tired of trying to resolve this situation.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXXXXXX 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 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (LA)

Navient correspondence dated  XXXX / XXXX / XXXX  states it can not process my  IBR re certification application as the form I used is " an old version that expired. '' The form I used states in the top right corner : "  XXXX   XXXX .  XXXX  Form  Approved Exp . Date  XXXX / XXXX / XXXX . '' It is  XXXX  pages.     Navient says that form was updated in  XXXX  of this year. The form they say I must use is  XXXX  pages, and is labeled identically to the form I used : "  XXXX   XXXX .  XXXX  Form  Approved Exp.  Date  XXXX / XXXX / XXXX . '' I spent approximately  one  hour today (  XXXX / XXXX / XXXX  ) on the phone with  XXXX  different Navient staff of increasing supervisory status, asking them to either : a ). process the form I sent in, which on its face is clearly current, or b ) tell me what information they require that my application would have omitted. They declined.     I 've been in  IBR st atus with a zero payment for at least 5 years.  XXXX   XXXX  used to send the current form in the mail, but  Navient has ne ver done so.
Consumer complaint received 2023-02-14
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: Commonwealth Financial Systems, Inc. (TX)

Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : COMMONWEALTH FINANCE Attention Fraud Department : The Medical collections company, CommonWealth Finance on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX  XXXX usage - % credit usage unavailable Balance - Balance updated- Credit limit {$250.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Card Payment summary 2020 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - Status Paid, Closed/Never late. 
Status updated XX/XX/2020 Highest balance $ XXXX  Monthly payment - Last payment dateXXXX XXXX XXXX  Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-05-21
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. (GA)

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by TransUnion, XXXX and XXXX, there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above
Consumer complaint received 2023-05-21
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. (GA)

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by TransUnion, XXXX and XXXX, there is a late payment listed on my account for XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been a Bank of America customer since it took over XXXX in 2004. During that time I was DEFINITELY a victim of fee-gouging ( overdraft, etc ). Additionally, I had a loan with Bank of America only to realize it was actually a CREDIT CARD, and I did not receive the benefits of having said credit card. Sadly there are limits on the research I can do within my Bank of America banking portal. How should I move forward to deal with a final amount to be refunded?
Consumer complaint received 2023-07-13
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-03-27
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. (OH)

The Credit bureaus stated my account was properly investigated but my credit reports say otherwise. There are multiple inaccuracies on all XXXX of my credit reports the dates, payments and numbers on my credit report are inaccurate. It is stated under 15 U.S.C 1681 that everything on my report must have 100 % pure accuracy. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 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. My right to privacy has been violated under The Privacy Act of 1974.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (CA)

THE XXXX ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified several items that are erroneous and require your immediate attention. The discrepancies are detailed below : CAPITAL ONEXXXX XXXX XXXXXXXX XXXX I request that XXXX investigate these discrepancies and correct any inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). 

[ Item 1 ] : [ Description of the inaccuracy, such as incorrect account balance, wrong account status, dates, etc. ] I request that XXXX investigate these discrepancies and correct any inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any documents you are enclosing, such as receipts, statements, or correspondence with creditors ]. 

Please conduct a thorough investigation into these matters and provide me with a written explanation of the results. Additionally, I request that you notify me of any changes made to my credit report as a result of your investigation. 

I understand that you have 30 days from the date of receipt of this letter to complete your investigation, as mandated by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. Should you require any further information, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments.I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

My name is   XXXX   XXXX   XXXX   a Private Banker and I have a mortgage with  Wells Fargo Home mortgage . I sent a certified Bank Note for Payoff which is a security instrument to pay off my loan the bank has accepted my security instrument because it was never sent back to me. but i get a form letter back with a bunch of paid statements and a copy of a deed of trust to validate the debt. I was very specific on what i needed the Bank to do.   also the security instrument was set up correctly according to  (   UNCITRAL convention )  and  U.S. B anking laws I do have deep concerns, what can be done about this.
Consumer complaint received 2022-11-23
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. (CA)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-20
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: Experian Information Solutions Inc. (SC)

account # XXXX is a student loan that was opened in 1987 in which I was only XXXX years old and couldnt possibly be mine. I was a XXXX grader in high school. I was born XXXX, this may be the direct result of identity theft
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (CT)

I have contacted XXXX XXXX Several times. This is not my loan. The address they have on file is for a shopping mall not my home. I have never lived in that town. I want this fraudulent loan removed from my credit report asap.
Consumer complaint received 2024-03-27
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)

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 remove these inaccurate accounts in my file. 
XXXX XXXX Original Creditor : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-06-08
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-27
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. (WI)

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 Equifax to look at these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate.According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.