davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I have contacted EQUIFAX several times in attempt to remove incorrect and inaccurate information on my consumer file. I have been harmed from there improper use of my consumer report by reporting and sharing my non public information without my consent. I have a late payment on showing on my consumer from XX/XX/XXXX that is incorrect. I have reached out to XXXX XXXX to have them update the information and they sent me a letter per the CFPB apologizing and stating that they would update the information with the CRA 's. However EQUIFAX has not updated my consumer file and is reporting incorrect and inaccurate information which is causing me harm to my character and reputation which is a direct violation of Federal law states pursuant to 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681 ( a ) ( 2 ). EQUIFAX is deliberately breaking the law and reporting information on my credit worthiness that is not accurate. I have attached a copy of the letter that was sent to me from XXXX XXXX stating that they have updated the information dated on XX/XX/XXXX. This inaccurate information being reported is preventing me from using my credit to get approved for financing for a much needed medical procedure. This is unfair and causing me the consumer harm which makes EQUIFAX not be in compliance with federal law.
Consumer complaint received 2021-05-12
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: I.C. System, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-03-12
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. (VA)

Dear madam/sir, I am writing you to report the company XXXX XXXX XXXX ( Account- XXXX. This creditor has reported on my credit as " charged off ''. When I reached out to the creditor to verify the that input and request a 1099C form. The creditor verified the charge off status and were not able to provide me the 1099C form upon my request.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

My mom received a text on XX/XX/XXXX asking if she made an authorize purchase from XXXX for {$1000.00} from XXXX XXXX XXXX from Chase. She responded no. The scammers sent myself, my brother, and my sister multiple transactions from my mom 's account. They called my mom and told her they were from XXXX and she needed to contact us immediately and send the money back. I returned a payment to my mom of {$2000.00}. They rerouted my mom 's XXXX 's account to theirs. I contacted Chase because they immediately suspended our accounts for 10 days. We then had to file a fraud claim charge on XX/XX/XXXX. They investigated and closed the claim and told us we needed to contact XXXX. I have yet to receive my {$2000.00} back XX/XX/2023 XXXX Payment from XXXX XXXX {$1.00} {$190.00} XXXX XX/XX/2023 XXXX Payment to XXXX XXXX {$200.00} XX/XX/2023 Reversing credit due to Dispute {$1.00} {$190.00} XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

This alleged collection does not belong to me. I contacted Aargon Collection on XX/XX/XXXX requesting Validation. They responded on XX/XX/XXXX with a printout on dates of services and amounts for ER, Pharmacy services for XX/XX/XXXX. 

I can not identify the documentation they sent nor do I have knowledge of this service. Furthermore, Aargon has violated my consumer rights pursuant to the FDCPA Regulation FXXXX They have reported this collection on my credit reports without going abiding by the new guidelines.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

I disputed the debt with XXXX XXXX who did not have a signed contract and did not validate the debt. They sent me a letter declaring that I did not owe the debt and they removed from credit report. Resurgent refuses to remove debt although I have sent letter from XXXX XXXX to them.
Consumer complaint received 2022-12-03
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MI)

I have had my Comenity Buckle Card, XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX placecard for a long time never XXXX. Then I opened a bug lots card and this is where it started the card was sold never got a statement finally talk to them get my payments finally straightened around then these where aold I have always had these cards on auto pay they where sold to bread financial never a notice so my payment was late on maurices because they dropped my auto pay. So I get letters stating they dropped all my credit limits way low. Which has now affected my credit score. This is the company fault I have called numerous times and they state everything is good then its not. Also my home is paid in full thats why it doesnt show in my credit report
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

i sent document and proof of my address far as my driver license to support my claim with my correct address and asked them to removed all address from my report is not accurate and removed all account shown closed is not mind on my report ..and with a balance .several time i contact the creditor and the bureau with this situation and asking them to investigation into this matter and sent letter and proof to support my claim they still reporting in accurate information my report, violation of the law..CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU TO REMOVE YOUR NEGATIVE ITEM FROM YOUR REPORT USING MY 609 LETTERS
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX my ex Husband Quitclaimed The family Home to Me as we were divorced since XX/XX/XXXX I decided to get a Title search on the Home.I have No contact with My ex-husband Whatsoever And Went through a terrible Divorce so I Had No reason to trust any transactions He made.When I received The Title Search on XX/XX/XXXX I was shocked to discover My Name had been Quitclaimed off of the Home on XX/XX/XXXX, The signature on the Quitclaim Deed is an obvious Forgery and forged by My Ex Husband as it is His Handwriting not Mines.My Exhusband then put the property into a Trust then again changed the Title by Deeding the property To Himself and His new Wife on a Grant Deed as Community property.After removing My Name Illegally from The Family Home He along with his New Wife took out 2 ILLEGAL LOANS! One in the amount of {$410000.00} and the other in the amount of $ XXXX.Shocked and furious Me And My Daughter went To Chase Bank To Complain About these 2 ILLEGAL LOANS I DIDNT SIGN MY NAME ON THE QUITCLAIM DEED SO THE LOANS ARE FRAUDULENT THE TITLE IS CLOUDED.We spoke with a Rep in the Loan Dept He promptly called His Superior Who Told Him to tell Me They DIDNT CARE IF THE LOANS WERE FRAUDULENT THEY WERE GOING TO COLLECT ON THEM REGARDLESS! So I Had No choice but To Go To The Real Estate Commercial Fraud Division of the XXXX.I have A Real Estate Fraud Case with the XXXX right now The Detective was able to Establish The Quitclaim Deed was Fraudulent by contacting The Notary named on the Document, The Notary told the Detective That He Never Met Me in His Life and He did A line Item Search and Found NO ENTRY OF THAT NOTARY SEAL.I went to the XXXX to Obtain the Real Estate Fraud Report on XX/XX/XXXX, The only thing the XXXX established is that the Quitclaim Deed is Fraudulent therefore The 2 loans Aquired after the Fact Are Also FRAUDULENT but that was it! 3 Detectives Later Chase Bank is Now Attempting An ILLEGAL FORECLOSURE ON MY HOME.Now Trustee Corps a DEBT COLLECTION AGENCY SENT ME A NOTICE OF DEFAULT on XX/XX/XXXX! This Debt Collection Agency is attempting To Collect On A Debt that is Related to A FORGERY, In Violation of THE FAIR DEBT COLLECTIONS PRACTICES ACT, Also Penal Code 119 paragraph A that Says it is a FELONY TO RECORD FRAUDULENT DOCUMENTS AT THE COUNTY RECORDERS OFFICE.I would appreciate Assistance As This Has Escalated Into An Emergency I Need Chase Bank To Shut Down There ILLEGAL FORECLOSURE ATTEMPT ON MY HOME.The Sale DATE FOR THE ILLEGAL SALE IS XX/XX/XXXX!
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, I am writing to formally dispute the accuracy of information on my credit report provided by TransUnion. This dispute pertains to their claim of verifying my credit report through the bankruptcy courthouse when, in fact, they utilized a third-party company, XXXX XXXX XXXX for this purpose. 

On XX/XX/2023, I requested a copy of my credit report from TransUnion, as is my right under the Fair Credit Reporting Act ( FCRA ). Upon reviewing the report, I noticed discrepancies in the verification process. TransUnion stated that they had verified my bankruptcy status through the bankruptcy courthouse. However, after conducting my own investigation, I found that this information was inaccurately represented. 

I have evidence to support my claim that TransUnion did not contact the bankruptcy courthouse for verification, but instead relied on data obtained from XXXX XXXX. This raises concerns about the accuracy and integrity of the information contained in my credit report, which can have significant implications for my financial well-being. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to ensure that TransUnion rectifies the inaccuracies in my credit report. I believe it is essential to maintain the highest standards of accuracy and transparency in credit reporting to protect consumers ' rights and financial interests. 

Enclosed with this letter, please find copies of the documents that support my claim, including correspondence with TransUnion and any relevant proof of their reliance on XXXX XXXX for verification. 

I appreciate your prompt attention to this matter and your commitment to upholding the rights of consumers in matters of credit reporting accuracy. Please inform me of any further actions or documentation required from my end to facilitate this investigation. 

I requested that the translation service provide evidence and confirmation of their direct communication with the courthouse. However, they failed to do so. Furthermore, they neglected to rectify the situation despite the presence of an erroneous name, " XXXX, '' on the bankruptcy record that does not correspond to my own. It is important to note that my name is not " XXXX, '' but rather " XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2023-08-23
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. (NY)

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Consumer complaint received 2023-08-23
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2022-12-19
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. (NY)

I have submitted multiple disputes and FTC reports regarding these fraudule

nt items on my credit report that dont belong to me. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-08
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. (OH)

I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is XXXX defamation to my character and they have refused to remove these items. XXXX, equifax and XXXX have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.
Consumer complaint received 2023-04-21
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)

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 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is XXXX defamation to my character and they have refused to remove these items. XXXX, XXXX and TransUnion have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I made my payment through my bank on XX/XX/2023 and my bank shows the funds were withdrawn on XX/XX/2023. Capitol One is holding my payment until XX/XX/2023 to ensure that the funds are not returned. If my bank released the funds and I did a bank to bank transfer no check required, why are they holding my funds? Do they make interest on my money that they are holding? Just curious how they can hold my funds hostage. Thank you for your help. Capitol One representative stated that once a relationship is established with my bank then they might not hold the funds for as long ; they will still hold my funds just for a shorter time period POSSIBLY. My bank is a national bank - I would think they have a relationship with Capitol One already.
Consumer complaint received 2023-09-08
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. (CA)

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX account number # XXXX. XXXX XXXX account number : XXXX XXXX  account number XXXX. XXXX XXXX XXXX XXXX  account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX, XXXX. account number # XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.