davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (AL)

Ive made disputes in XXXX and in the month of XXXX of collections and closed accounts being reported on my report still. They have not been doing a proper investigation. The original creditor have written off the debt on their taxes but I have not been provided with any 1099c form and the agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have been making reports on my credit on a debt thats has already been written off on taxes. This is in violation of CRA 15 USC 1681 eb.
Consumer complaint received 2023-05-10
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. (PA)

fraudulent inquiries appearing on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I opened a Room 2 Go credit card issued by Synchrony Bank in XX/XX/XXXX  for $ XXXX. I used it to purchase furniture. I was told that for 5 years my payment would be the same with no interest. I was making the payment and they would choose to lower my limit periodically. In doing so it appears that the card is constantly maxed out and that impacted my credit score. I ask and they stated that it was their choice due to so. However, they have recently closed the account with no explanation. I am no longer able to view and pay the bill on the app as I always have. I am being contacted stating that I need to pay the bill and I am not able to. I tried go online and paying the bill and it gives an error message and tell me to contact them at a XXXX number. I call the number and it is automated. My balance is confirmed, and I am told that I can not make a payment over the phone and to go online. I am fearful that I will have a late fee and payment due to no fault of my own. They have made it difficult to pay the bill and is negativity affecting my credit score. Please help.
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

KIMBALL TIREY ST. JOHN has reported an erroneous collection to my credit report ... Supposedly collecting for XX/XX/XXXXXX/XX/XXXX I have requested validation of this debt on XX/XX/XXXX via certified mail, but did not get a response back from them until after end of XXXX .... In their attempt to validate this debt they provided ledger ( hand written XXXX from XX/XX/XXXX but NO signed contract or proof of previous notice of collection at all ... I contacted XX/XX/XXXXoriginal creditor who could not even find this account and with my findings I responded to Kimball Tirey St John with no avail from them .... they are still reporting this erroneous collection on my credit report and have been reporting it since XX/XX/2018 however docs they provided shows they did NOT purchase this collection until XX/XX/2018 ....
Consumer complaint received 2024-03-29
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. (NM)

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.

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 2024-03-29
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. (KY)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX 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 2023-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

XX/XX/XXXX received letter from Convergent Outsourcing XX/XX/XXXX I Sent a debt validation letter requesting : -Provide verification & documentation that these is a valid basis for claiming that I am required to pay the debt to the current creditor with my original signature.. 
-Advise when the creditor claims this debt became due and when when it became delinquent -Identify the date of the last payment made on this account, -Advise if a determination that this debt is with the statute of limitations applicable to it. 
-Advise when do they think the statute of limitations expires for this debt and how is that determined -Details about their authority to collect this debt : Does company have debt collection license in Georgia. If outside of Georgia does the firm have a debt collection license from that place, and if so please provide the date of the license, name on license, license number. etc. 

XX/XX/XXXX : Received " verification '' of debt a billing statement ( XX/XX/XXXX - XX/XX/XXXX ) and flex lease agreements without my original signature
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have a Mortgage with Nationstar Mortgage loan. I can not get the mortgage company to state why they are not posting the required principle payment in my note and are charging everything on regular payment to interest and only posting addition principle that I am paying toward principle. I have contacted the company several time and can not get them to give me an answer. They first stated that my loan was all interest for the first 10 years which is not true because before the purchased the note from XXXX XXXX I was paying both interest and principle with my payments and I have the original note. These people do not seem to understand or do not want to help resolve the issue. I do not know what to do except file a law suit against the company.
Consumer complaint received 2024-03-29
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. (KY)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

These hard inquiries are fraudulent and doesn't belong to me and need to be removed .also, the nest as well .Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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)

This account doesn't belong to me when they finally closed it and charged it off in XX/XX/2023 It reported late payment on the report month after month I have been disputing this account this is all wrong. per FCR, this must be rectified 15 U.S. Code 6801 - Protection of nonpublic personal information said : ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I kept disputing this month after month they never showed me the proof of their investigation. 24hrs after the complaint they come back with the result of verified. show me the method of investigation
Consumer complaint received 2021-01-06
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 reported identity theft to the bureaus, requested a freeze. I went through each step with the FTC. To no resolve. My use Idenity has been completely taken over. Unemployment claims, XXXX accounts, online payments, even XXXX refuse one now. 
My ex finance stole my information him ( XXXX XXXX XX/XX/XXXX ) and his girlfriend XXXX XXXX took advantage of my mental illness and took everything from me. I I dont know what to do. Its been months, things are getting worst. He even sends fake letters requesting money. Please help me.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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)

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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX  Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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. (TX)

THIS IS NOT A REQUEST FOR DEBT VALIDATION OR VERIFICATION In accordance with the Fair Credit Reporting act, the Account MRV/REVVI, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 This is a billing error that needs to be corrected in accordance to 15 U.S.C 1666B which states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

In accordance to the above Laws the late payment showing for XXXX 2024XX/XX/year> is a violation of my consumer rights. This is my second attempt to have this corrected and I am collecting each response showing willful non compliance and if this isnt corrected I will seek litigation damages up to $ XXXX each violation. Its also causing defamation of character to my public appearance Equifaxs response on XX/XX/year> was insufficient and willful violation of my consumer rights. THEY VALIDATED the debt and ignored the underlying issue of violating my consumer rights. 

By reporting this billing error They are also in violation of 15 USC 1681eb for maximum accuracy And 15 USC 1681s-2a1a for willfully reporting inaccurate information!!
Consumer complaint received 2024-03-29
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

After reviewing my credit report, I noticed that there are many variations of my name, address, and old employer information. I can not receive any mail at the addresses listed on my credit report. I do not know who those other variations of my name are.

This is a violation of 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 2022-11-15
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. (MN)

In accordance with the Fair Credit Reporting Act XXXX Account US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF EDXXXX 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. 
15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-29
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
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. (CA)

I am sending this complaint to address discrepancies found in my credit report without delay. Upon a recent review, I noticed late payments recorded on my account, and I urgently seek your assistance in rectifying or removing this information from my credit report. 

I am confident that this discrepancy stems from an error and thus seek your prompt intervention to address it. 
XXXX XXXX.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Transactions XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX  XXXXXXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX 'S XXXXXXXX XXXX XXXX XXXXXXXX CARD XXXX, $ XXXX : Closed XXXX XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX CARD XXXX, XXXX XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX RMCF XXXX ( # XXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX AZ XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX  XXXX AZ XXXX CARD XXXX, $ XXXX : Closed XXXX, XXXX AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed They saw large transactions coming from my account and they did not attempt to stop them even at the fact they were made 5 hours away from my house. Then i tried to provide information and they would not let me to show proof I was at work and not able to make those transactions.