davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (GA)

To whom it may concern I pull a copy of my credit report after I was denied credit. I found out that I had alot of hard inquires that I didn't do as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also filed a complaint which I have attached to my claim.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AK)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the XXXX days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrated Recovery Services (CA)

He calls me at the morning XXXX in the morning he tells me that I 'm worthless what kind of drugs am i smoking and I have no dignity for myself that I 'm worth nothing and he wants to leave these on my voicemail so I have proof and the company 's name and XXXX XXXX and the guys name is XXXX XXXX
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My mortgage company will not give me a reason why I can not use the " Making home affordable Program '' again. By law, they say a person should be able to do this as many time as they need to. The first time I '' did it, they did not lower my payment enough and my interest is over 5 % still. I am XXXX years old and I do not make enough money for all the bills and mortgage and I never get to buy food. Can you please help me?
Consumer complaint received 2022-11-28
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. (WA)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2023-04-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I have filed a previous complaint with Equifax, XXXX, and XXXX with no response. I submitted various letters to the above reference bureaus on different dates, with the last date to be given on XXXX, Can you please assist me in fixing the error. 

These are the facts : : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report 8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-30
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts were created shortly after my identity was stolen I have no knowledge of these account
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information reported on my credit report. I provided detailed information about the accounts in question and notified them of the violations they have made to my consumer report. Despite the mandated 30-day response period, I have not received any response from them. Attached are copies of all the letters I have sent for your reference.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-30
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. (NJ)

Round about XX/XX/XXXX, I sent an Affidavit of debt verification request letter to XXXX pertaining to two " US Dept. Of Education '' accounts ( amounts {$3500.00} and {$6000.00} ). XXXX response to my validation request was I quote, " The disputed item is not currently reporting on the XXXX credit file '' and quote. Confirmation # : XXXX, See Attachment ( s ). On XX/XX/XXXX, my wife obtained an identity theft police report for both US Dept. Of Education accounts as well as other accounts, See Attachments. On XX/XX/XXXX I sent separate notarized Affidavits ( pertaining to fraudulent accounts, unverified accounts and inquires ) to XXXX, XXXX and TransUnion, See Attachment ( s ). On XX/XX/XXXX, I called XXXX to inquire as to the continued reporting of the two US Dept. Of Education accounts. After being transferred several times and on hold XXXX. and XXXXXXXX XXXX the supervisor would not answer my questions as to their legal authority to continue reporting these two accounts that are determined to be a result of identity theft via Police Report. At that point the supervisor sent me to an automated system to be disconnected. The first customer rep. I spoke with, I.D . # : XXXX, Call time : XXXX XXXX XXXX XXXX XXXX XXXX, See Attachments. Complaints : 1. XXXX did NOT validate the two US Dept. Of Education accounts. 2. XXXX said the two accounts in question were NOT reporting on my credit file. 3. XXXX continues to report the unverified accounts after receiving the police report via certified mail. 4. XXXX has requested I contact the creditor for debt validation. 5. XXXX has blocked me from accessing my XXXX account. Despite my various written request for validation and removal of unverified accounts they remain in my credit file which intentionally violate numerous federal laws such as and not limited to : FCRA Sections ; 605 ( c ), 609, 611, 616, 617, 623 etc. As well as several FDCPA 's. 

Note : TransUnion has also failed to delete these two accounts from my file. I received a letter from TransUnion ( dated : XX/XX/XXXX ) stating the debts have been deleted ( See Attachment ) but when I checked my TransUnion account online the debts were still reporting therefore, this complaint also applies to TransUnion. 












Date : XX/XX/XXXX
Consumer complaint received 2022-09-19
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. (OR)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # 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 2022-11-30
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-29
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. (PA)

I suspect fraudulent inquiries on my credit report. Below are the inquiries listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 2022-11-29
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: EQUIFAX, INC. (PA)

Hello. On XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX closed my XXXXXXXX XXXX XXXX XXXXXXXX XXXX ending in XXXX because of some fraudulent charges I reported. They issued a new card ending in XXXX. Equifax is not showing this new account in my credit file. This is my third complaint regarding this issue. Please refer to complaint # XXXX : XXXX and XXXX. Attached to this complaint please find an Account Verification Letter from XXXXXXXX XXXX XXXX  to confirm that this account ending in XXXX is open and active. Please make necessary correction. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-07-05
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. (MD)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

EQUIFAX isnt investigating according to the FCRA. Ive sent ion multiple notices to which they claim they validated it, however never send the documentation on how they verified it. Identify theft and fraud has taken place onto my consumer report. EQUIFAX iz not moving in a fair and equitable way! All of this information needs to be DELETED NOW if they cant send documentation on how it was verified!
Consumer complaint received 2024-04-03
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)

As I reviewed my report I see inquiries on there that were done without my consent Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Please investigate this matter and remove these inquiries ] as soon as possible. Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a )
Consumer complaint received 2024-04-03
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must DELETE the following account from my file. 
XXXX XXXX
Consumer complaint received 2024-04-03
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. (VA)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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. (NY)

It has been more than 60 days since my original request and it is illegal for this to happen. 
I sent certified mail with return receipt and first class mail. 
I have reached out several times and have asked them to verify and validate accounts that i am disputing. They responded that these accounts are accurate and verified. i reached out again and ask for a re-investigation and still after the reinvestigation it comes back as accurate and verified. The law states that- U.S. CODE In general 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 remove that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer.

( 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 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.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (PA)

I applied for the Discover. 
I was approved for Discover. 
Discover card # XXXX. 
I tried to call and get it activated, and sent all the proper documents to Discover, but I have not been permitted to use the card. Please allow me ASAP.
Consumer complaint received 2024-04-03
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. (WA)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (TX)

About 6 months ago I was contacted by Chase that I owed them around XXXX from a credit card I have NEVER heard of. They said that I opened the account and there were payments from my bank. I informed them that I did have my bank account information stolen as well as XXXX and it could have been from this. They never responded to me, then a legal firm sent me a letter saying they could help me because CHASE sued me. I NEVER got any information from them after writing mail-in letters to their corporation, I was never informed I would be sued. I thought that they would eventually resolve their issues at corporate or send me another letter. Instead, they decided to sue me with no information or communication. I do not want this on my credit score and I do not want to be sued. I really need help because I have tried to be in contact with the company and sent mail in letters TO them. I had no idea I'm being sued, my address is not the one on the credit card, I had a period of time my information was misused. This company is taking advantage of people with their lawyers since they have the money to use them against any regular working American. They didn't even communicate me being sued. They didn't even respond to my communications. I responded to them several times and instead of responding they decide to sue me and ruin my credit score at a time I am trying to purchase a home all behind my back. This company is extremely shady and just uses their power to bully citizens. A multi-billion dollar corporation couldn't even respond to my letters and communications and decides to randomly sue me without me knowing. It is well in their capability to communicate with me to resolve this issue. This is wrong and fraudulent activity by a XXXX institute.