davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX OF XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX 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 2021-05-16
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: Conn's, Inc. (TX)

I was out of work due to losing my job from the nationwide coronavirus. Starting in XX/XX/XXXX ending in XX/XX/XXXX. I was told my account would be on a freeze with no reporting ... .... around XXXX XXXX. I received a lump some from unemployment and paid {$640.00} towards my Conns account which I knew I hadnt made a payment on when I was out. My recipe shows that the payment wouldnt take effect until XXXX XXXX. Which mean the payment would go towards anything after that Day. I have contacted Conns and they told me it went towards the previous payments from XXXX. But my effective date says XXXX XXXX. So I shouldve have been charged for the past. And I have several late payments on my account because they applied the payments to what they wanted to. Now I cant close on a house because of these late payments. Since then Ive made a additional payment in XXXX due to the late payments being reported. I was told if I made a payment of $ XXXX-on XX/XX/XXXX it would would bring me current till XX/XX/XXXX. The payment was made. And I am still being reported late for XXXX XXXX and XXXX. I was not told by me taking this extension I would still be marked late/ if so I wouldve agreed to this arrangement. Conns have been updated my payment history up and down from 8 late payments to 5 to 3. Up and down. And is running my life and my credit report. I need the correct information. And these late payments removed and my {$640.00} payment applied to what was printed a my recipe to me from them. XXXX soon as possible. I also made a additional payment for XXXX.
Consumer complaint received 2023-06-02
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2022-11-02
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX account number XXXX XXXX, XXXX & XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX has violated my rights. 

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
Consumer complaint received 2021-05-17
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. (GA)

I recently received a copy of my credit report and found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXXXXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address.
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

I'm a loyalty XXXX and American Express customers. But these two banks close all my credit cards accounts recently. XXXX : They close all my credit card account and claim I have too many additional card holders for my XXXX credit cards. After they told me, I have close all my additional card accounts. But they still decide to close all my XXXX credit card account ... It's not fair. American Express : Last month, they start a Financial Review on my account and I have follow the step to file my tax return to them, but they still close all my accounts. I have no idea why they decide to do so. P.s : All my XXXX and AMEX credit cards have no balance due and I always pay the bill on time.
Consumer complaint received 2021-05-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My refinance loan was rejected by Processing Department based on incorrect information about two disputes that are over three years-old and/or paid in full. According to federal governments underwriting rules disputes over two years old and paid in full should be EXEMPT from consideration by the processing department. I suggest Mr. Cooper re-check their interpretation of the loan processing guidelines for these two disputes : 1. My wife 's credit report has a XXXX XXXX account ending in XXXX for {$460.00} is OVER 2 YEARS OLD and was PAID-IN-FULL 2. My credit report has nothing more than a " dispute comment '' related to the XXXX XXXX account ending in XXXX. The attached snapshot from my credit report shows a date of XX/XX/XXXX - over THREE YEARS ago! And the balance on my credit report is XXXX. In fact, this credit card account is active and current on all payments. 

Please also note that I contacted XXXX  XXXX  to initiate the removal of these incorrect dispute comments, however, I don't think there is any valid reason under loan processing guidelines for my loan to be rejected over these disputes even if they are on my credit report. These disputes have nothing to do with my creditworthiness. 
I have owned my home since XXXX and was never late on the mortgage for over 18 years. 

I have a strong income and huge equity. The underwriters keep coming back to ask for very small value items and they require conference calls with creditors to clear up trivial items. A huge waste of time and a very unprofessional company.
Consumer complaint received 2022-11-02
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions. Please remove this account : XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc. (AL)

under my experian credit report its showing that its a XXXX  card that is on my account has a XXXX balance due on this card. The account has been closed on the grantor request which is because I kept disputing it so much. The status on the account is a charge off and it is not my balance. It shows 26 potentially negative months which is inaccurate as well as the other charges that were made.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1992 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

XXXX  and Experian both have a judgment on me on file which was discharged in XXXX-XXXX  and refused to remove it from my credit report. Experian refuses to re-investigate it AT ALL. It is up to these bureaus to make sure they maintain the most accurate information as these items affect peoples lives, even if it means contacting the bankruptcy court directly. XXXX  already did their own investigation this year and the negative bankruptcy was removed from my credit report. It has been 10 years. I want this off my credit report.
Consumer complaint received 2021-05-15
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: Experian Information Solutions Inc. (PA)

Credit reporting agency ( CRA ) is reporting accounts that is not mine. Accounts were in litigation, I went to court and won both cases judgement in my favor. CRA still reporting accounts on my credit report after proof was submitted and court documents. 

Please see attached documents
Consumer complaint received 2021-05-17
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. (NY)

Certified mail was sent to Equifax, XXXX, and XXXX regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX  failed to investigate and 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. Equifax, XXXX, and XXXX  responded with a letter negative listing verified. Who verified these accounts? 

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this matter.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Hello, I am writing in regards to an account that is listed on my credit report under the name on LVNV funding, this debt was paid and settled with a company by the XXXX XXXX XXXX XXXX. I have submitted my bank statements and payment confirmation via XXXX  but have had no success. There has been some mishandling in the chain of custody of this debt.
Consumer complaint received 2021-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Certified mail was sent to XXXX, Transunion, and XXXX  regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX XXXX, Transunion, and XXXX  failed to investigate and 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. XXXX, Transunion, and XXXX  responded with a letter negative listing verified. Who verified these accounts?

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this matter.
Consumer complaint received 2023-07-07
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. (MI)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, 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. (IN)

on or about XXXX, Transunion INCORRECTLY totally DELETED and REMOVED my XXXX XXXX Credit card account! I disputed the balance only!! Instead they DELETED THIS ACCOUNT and Dropped my FICO score 15 points!
Consumer complaint received 2024-03-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Veem  Inc. (TX)

The company closed my account on XX/XX/XXXX. I had funds on a prepaid XXXX  card provided by the company and I requested that the funds remaining on the account be refunded to me. I have requested many times and they continue to not issue me a refund for the funds that were loaded to my prepaid card at the time of closure. I sent requests to be refunded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX.
Consumer complaint received 2023-06-02
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX and TransUnion credit bureaus must check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2021-05-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I then contacted the authorities and made an identity theft report. After that, I sent a letter with my identity theft report and 3 forms of identification to Transunion on XX/XX/2021, explaining that there were fraudulent accounts and unauthorized inquiries on my credit report and i requested that it be removed by law. I still havent gotten a response from Transunion and it has been over 30 days. 

Below I have attached the identity theft report and 3 forms of identification and the letter i sent over 30 days ago to Transunion.
Consumer complaint received 2024-03-26
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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.