davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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. (CA)

I received your response XXXX XX/XX/XXXX that you need my updated email address which is XXXX. I sent a complaint on XX/XX/XXXX to remove Accounts : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00} that is UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints. I am including it again.
Consumer complaint received 2017-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I 've spoken with   XXXX   by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     Credit Inquiries  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   VA   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (SC)

I have contested a XXXX dollar bill with the company Swiss Colony in XX/XX/XXXX. On XX/XX/XXXX 2017 They  responded with two letters stating that the account does not belong to me and that they have contacted the credit reporting agencies to have this account removed. In the process of getting a mortgage the collection account is still showing in XXXX, I have submitted letters two XXXX and call them and was told that when they call Swiss Colony there computer still showing the account as belonging to me Help.
Consumer complaint received 2023-06-01
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. (WI)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX  IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2018-02-22
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. (PA)

Equifax and XXXX  continues to report incorrect information regarding an installment account with XXXX XXXX XXXX. XXXX XXXX has been reporting my account late for the past 5 months and that is incorrect. they receive automatic payments for me every month and my account has not fallen behind, This is reflecting my report and it is effecting my scoring with this incorrect information. this account has not been validated or verified and I am being taking advantage of. Please remove this incorrect information from my account.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-01
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. (TX)

Equifax continues to report these unauthorized, unverified hard inquiries on my credit report. I have called Equifax and sent letters, and they have not responded to these unconfirmed inquiries with certifiable evidence as demonstrated per US Code 15 U.S.C. 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-01-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Nationstar mortgage services on mortgages are condoning identity theft, invalid mortgage paperwork, not answering questions according to respa, and providing answers without investigating, not listening to the customer, honoring documents that are copies or were never signed, copies provided to the form me and saying there legal. So far nationstar mortgage has provided a invalid original note deed of assignment, deed of trust, a invalid deed of trust provided to them by XXXX XXXX XXXX on a closed remic and assigned 9 years after the closure date. Provided invalid loan modification that was never signed by all parties, invalid amended and restated note, invalid power of attorney, and is not looking at any paperwork provided at all. the sale of this mortgage to XXXX is n't valid due to the fact that hud has no record of this loan and the remic it is not valid at all. So any resolution provided by them condones identity theft as they have shown. And why are the constantly changing there answers they tell the government one story and supply us with a totally different one with out investigating
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found inaccuracies on my report. 

XXXX BANK XXXX Account # - XXXX Date- - XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-02-02
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: Resurgent Capital Services L.P. (FL)

I disputed to XXXX that a collection account just popped up in their report and after waiting a month they did nothing but tell me they confirmed the information and will not remove it. At the same time I disputed with the collection agency and they provided me with paperwork which clearly states another entity and dates which do not belong to me. 
XXXX never did a dispute, they claimed they did, yet I have the proof they didnt. The reason is that they make money having negative information on people so they can sell their service on fear.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Olde City Financial Inc. (OH)

XXXX, XXXX, XXXX, XXXX, and Olde set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!
Consumer complaint received 2023-04-08
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. (FL)

I found inaccuracies on my report. 

XXXX Account # - XXXX Date - XX/XX/2022 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2021-09-28
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. (LA)

Warning to Remove All Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX financial is illegally reporting a line item on my credit, since they are REFUSING to accept payment. Any creditor listing a line item on a credit report, must offer a means of satisfying that debt, to the EXACT ENTITY name listed on the credit report. If they WANT A 3rd party to be paid, they must HAVE THE 3rd party list the line item, with the option to also list an ORIGINAL CREDITOR. It is illegal to not offer a solution or repayment method, while listing a line item on someone 's credit. I have attached a recorded audio file, of XXXX XXXX refusing my payment attempt.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunbit, Inc. (NC)

I have never missed a payment with this company, suddenly my credit report was saying I was late and behind on payments. I have payments set up on auto-draft so that I could not miss any. However, I never received any communication that those payments for whatever reason were not received. This is extremely difficult right now as I am trying to clean my credit in order to buy a house. It is severely impossible to do so with things being on my credit that could have been easily communicated in order to be taken care of.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-03
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This is regarding the accounts listed above or in the pictures as proof which they claim is a collection of that I have with their companies. This is a formal notice that your claim is disputed, I am requesting validation may provide it to the fair debt collection practices at know that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay a.k.a. wet signature. Please also be aware that any negative marks found on my credit report, including Experian, XXXX XXXX, and XXXX from your company or any company that you represent for a debt that I dont owe is a validation of the fair debt collecting practices at FDCPA XXXX oh, XXXX XXXX XXXX XXXX ) therefore, if you can not validate the debt, you must request all the credit reporting agencies, delete the entry. pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could not be detrimental to any of my credit report. Where are you later to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local value. I will be seeking up to XXXX XXXX minute damages for defamation, XXXX negligence, enablement of identity, fraud violations of fair credit reporting act in fair debt collection, practices at you will be required to appear in court venue local to me since you are clearly doing business in my area for the purpose of 15 USC 1692 et seq. This notice has the same effect as a dispute to the validity of your claims please note this note is an attempt to correct your records, and any information receive from you will be collected as evidence should any further actions be collected as evidence should any further actions be necessary? This is a request for information only and is not a statement, elections or waivers of status.
Consumer complaint received 2023-06-01
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2017-05-16
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. (IL)

I have sent several letters and a police report. Transunion is having a problem removing this off my credit report. I never had a car loan from  XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX , NE  XXXX , (  XXXX  )  XXXX . I never lived in  XXXX ,  NE  and asked them to send me proof of the sign contract and no response. Please remove this off my credit report. The dates was  XXXX / XXXX /  XXXX   collection date and loan begin in  XXXX   XXXX .