davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (NY)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2024-03-26
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. (SC)

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX SSB || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-02-26
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. (TX)

In accordance with the fair reporting act XXXX all accounts on my report showing negative standings old and new have violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. SECTION 604 A. SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-11-25
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'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Urgent Dispute - Violations of FCRA Sections 611, 623, and 623 ( A ), and Unauthorized Removal of XXXX XXXX XXXX Account To whom it may concern at TransUnion, I am writing this urgent letter to address XXXX significant disputes on my credit report that require immediate attention and resolution. These disputes pertain to the erroneous reporting by XXXX XXXX XXXX and the unauthorized removal of a positive account from XXXX XXXX XXXX. Both actions have negatively impacted my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ) Sections 611, 623, and 623 ( A ). 

XXXX XXXX XXXX XXXX : Under FCRA Section 611, I demand that XXXX XXXX XXXX 's fraudulent reporting be thoroughly investigated and corrected promptly. The violations include : a ) Incorrect Balance Reporting : XXXX XXXX XXXX is reporting an inflated balance on an account that has been previously charged off, misleading potential lenders and damaging my credit profile. 
b ) XXXX XXXX XXXX : Despite showing an open account, XXXX XXXX XXXX is reporting it as charged off, leading to inconsistencies in my credit report. 
c ) Inaccurate Late Payment Reporting : XXXX XXXX XXXX is inaccurately reporting late payments on an account that has already been charged off, causing significant harm to my creditworthiness. 

TransUnion 's failure to address these disputes violates FCRA Section 623, which mandates a reasonable investigation and timely response to consumer disputes. Your inaction also violates FCRA Section 623 ( A ), which requires the accurate and prompt correction of any inaccurate or incomplete information on my credit report. 

XXXX XXXX XXXX Dispute : Furthermore, I demand the immediate reinstatement of the XXXX XXXX XXXX account on my credit report. This account, which had a positive closed status, was unlawfully removed without my consent or authorization. This action violates FCRA Section 611 and has unjustifiably harmed my credit history. 

I insist that TransUnion promptly investigates and resolves both of these disputes as required by law. Failure to do so will leave me no choice but to pursue all available legal avenues to seek appropriate damages and remedies for the harm caused by TransUnion 's violations and unauthorized removal of the positive account. 

I demand immediate action to rectify these issues and request written confirmation of the corrections made to my credit report, in compliance with FCRA Section 611. 

Please acknowledge receipt of this dispute and provide a written response detailing the steps taken to address both disputes. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Maryland State Attorney Office
Consumer complaint received 2024-03-26
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (AZ)

This is my third complaint regarding this issue. The first was XXXX, the second is XXXX. I have been trying to resolve this since XXXX. This has now impacted my credit score because I can not afford to make payments on both balance ( which are the same balance ). I have uploaded all of the evidence in PDF form showing that XXXX paid Amex, they paid the wrong account number. I have included the incorrect account number that the payment was applied to, and have also included my account number, the correct one, that the credit should be applied to. If this is not resolved I intend to seek legal action. I am a single, currently unemployed, mother of three small children. I AM STRUGGLING. Had this balance transfer gone through like it was supposed to in XXXX, I would only be having to make the payment on my XXXX card that I could easily manage and have the option of credit on my Amex. That was the plan. Now my XXXX card carries a higher balance than my Amex, I am able to make those payments, but Amex keeps calling me, emailing me, sending me to collections because of this balance transfer that got applied to the wrong account. Please, I need help. Could someone please, please help me?
Consumer complaint received 2017-02-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALCHRO INC. (GA)

Since 2013 first Federal and collections has been reporting negatively on my credit report. I have sent three letters asking for validation and I have yet to receive a response. I have also attempted to contact the phone number and yet I 'm unable to reach someone. I have never seen a XXXX in 2013, or a XXXX in the said listed city as I was not living in the city. Please help me correct this information.
Consumer complaint received 2024-03-26
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. (SC)

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

As reported in Experian, XXXX reduced my credit limit on an account i believe that I do NOT hold. with little to no info being provided, it has been impossible for me to clarify this with Experian or XXXX. I believe this information has been posted in error. 

Company XXXX Address XXXX XXXX XXXX XXXX, SD XXXX Phone BYMAILONLY Date Occurred XX/XX/2017 Source EXPERIAN Previous Limit {$3000.00} New Limit {$2200.00}
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This loan is over 10 years old and has since been transferred or closed. Trans Union refuses to remove it. 

ACCT # XXXX, No balance reporting.
Consumer complaint received 2021-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-02-14
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. (MS)

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX  ( Bank ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX Delete this item immediately
Consumer complaint received 2021-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

I'm trying to login to Navient on Saturday, XX/XX/2021 to download tax forms related to my student loan and am unable to login due to " scheduled maintenance. '' Their automated phone system is also unavailable due to maintenance. I will concede that I could have been more proactive in working on filing my taxes earlier, but it strikes me as irresponsible and inconsiderate for a loan servicer 's site to be undergoing " scheduled maintenance, '' one weekend before the tax deadline. For people who work during the week this makes it very difficult to take care of business and is a disservice to me as a student loan borrower and as a taxpayer.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THER ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT ARE REPORTING INNACURATE INFORMATION I HAVE REACHED OUT TO BOTH THE XXXX AND THE CREDIT BUREAUS SUCH AS XXXX, TRANSUNION AND XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-08
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. (NE)

I received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXX, XXXX  XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.
Consumer complaint received 2021-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXXl, XXXX XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

My loan was sold to Flagstar Bank effective XX/XX/XXXX. I called customer service to confirm if I needed to submit a one-time payment before my auto-debit payment began, which their system said would begin XX/XX/XXXX. That would mean I would not have made a XX/XX/XXXX payment and I did not want to skip a month of payments. 

The service rep explained she would process a one-time payment for me on XX/XX/XXXX and did so over the phone. She also recommended we cancel the auto-transfer that was pulled over from my previous servicer ( XXXX ), and that after the processing of the one-time payment I could set up an auto-payment for my preferred date of the month. 

Somehow, instead of 1 payment processing for XXXX, they processed 2 payments, one on XXXX and one on XXXX. Calling customer service was little help and I had to do several hours worth of calls to Flagstar, my bank, and come up with paperwork so that I could get a refund, which has not yet started processing.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (IN)

Two Synchrony Bank account were disputed through XXXX on XX/XX/XXXX because the balances were paid in full through the courts on XX/XX/XXXX. 

On XX/XX/XXXX disputes were returned and data in my XXXX credit report was updated. 

Experian changed the charge off date on an account that was originally reported as charged off in XXXX of XXXX to XXXX of XXXX with the information they received from Synchrony Bank. 

The original, correct reported information before my dispute showed the account was charged off by Synchrony Bank and reflected on XXXXXXXX  credit reports in XX/XX/XXXX. 

On XX/XX/XXXX once the dispute made through XXXX  was complete, the charge off date changed to XX/XX/XXXX. My late payment history changed from 2+ years to 0 months, and dropped my credit score 30+ points. 

The account original charge off date was not being disputed in my initial dispute made through Experian. The only thing being disputed was that the balance was paid in full, but did not reflect on my credit reports. 

The erroneous information Synchrony Bank furnished to XXXX  and published to my credit report changed my accounts XXXX and deletion/purge date on my credit report. This is illegal re-aging. The false information listed on my credit report has significantly hurt my credit scoXXXX and caused various amounts of undue stress to me and my family.
Consumer complaint received 2023-05-24
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. (LA)

I am writing to request the immediate removal of the accounts and associated information listed below from my consumer report. It is imperative that these accounts and information are not reported, as their presence violates the FDCPA and FCRA. This violation of multiple laws necessitates their immediate deletion from my consumer report. Please take prompt action to remove these accounts and information without delay.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MD)

This is in reference to the hack of Equifax on XXXX and Equifax improperly securing critical identify information, where over a hundred million people may be affected. 

Furthermore, after taking manual steps to analyze and verify my credit information, I am unable to retrieve my credit report from Equifax through the government-mandated XXXX website.