davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (LA)

I initially filed a complaint on XX/XX/2017 in reference to not receiving validation of the debt as requested before placing this account on my credit file. XXXX XXXX ( compliance analyst ) responded stating " DCI has no record of receiving any correspondence from XXXX XXXX requesting validation of the debt therefore it was never provided. '' ( I 've attached a copy of the response ) and I also have the certified mail tracking the receipt of the documents.However I received a letter dated XX/XX/2017 ( 2 days after my initial complaint was filed ) responding to the debt validation letter I mailed that XXXX XXXX claimed DCI had no record of. I 've attached that letter also. What was sent as debt validation is a copy of a final bill, not a signed contract between this company and I. 

First this account should not have been placed on my credit file before the " debt validation '' was mailed. XXXX XXXX stated that DCI had no wrong doing in this matter which clearly placing this account on my credit file before responding to the validation request is a violation of my rights!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'd like to express my strong dissatisfaction with the unauthorized accounts appearing on my credit report, which I believe are the result of identity theft. These accounts are causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing these fraudulent accounts with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these questionable accounts from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-22
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. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2022-11-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account- XXXX Comment : inaccurate, DATE OPEN, on TransUnion XXXX and XXXX, report NOT ACCURATE ACCORDING TO XXXX XXXX Guide Lines Thank you for your time and helping this matter. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

( XX/XX/2019 - Mortgage Payment ) At the end of XX/XX/2019 TIAA bank required that I pay my mortgage payments by check for my loan payments. 
In XX/XX/2019 I submitted a payment for my loan using a certified bank check. I hand delivered this check to the XXXX, FL branch of TIAA bank before XX/XX/2019. The cutoff for the mortgage payment is the XXXX. 
The bank then took a week to mail the check to their payment processing center in XXXX. Because of this the payment was received by the processing center after the XXXX and it was marked as late on my account even though the payment was made to TIAA on time and using certified funds.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

FROM XXXX TO XXXX IN WHICH XXXX DISPUTED TRANSACTION IN THE AMOUNT OF {$14000.00} HAVE CALLED NUMEROUSE TIMES TO FALLOW UP AND HAS BEEN MORE THEN 10 DAYS AND THE BANK THAT HAS A POLICY OF AFTER 10 BUESINESS DAY THERE SHOULD BE A DESION MADE AND CREDIT MY ACCOUNT IHAVE SENT A FAX WITH MY INFO LETTING THE BANK OF AMERICA KNOW THAT IHAVE SENT THEM PROOF THAT IWAS XXXX IN A LIVE IN PROGRAM FOR 2 AND A HALF YEARS SINCE XXXXTO XXXX .IAM BECOMING HARD SHIP AND WOULD LIKE MY MONEY THAT WAS TAKEN FROM A FRUADSTER!
Consumer complaint received 2022-11-01
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 have submitted multiple disputes to Transunion, regarding the XXXX XXXX account listed on my credit report contain inaccurate information. The last dispute was submitted on XX/XX/XXXX. I will attach a copy of the letter with this complaint, in that dispute I advised that my Transunion report upon auditing the creditor is reporting : XXXX. A status of 120 days past due, while on my Transunion they are reporting a status of 180 days past due. How can I be 180 days and 120 days past due? Why are they vastly different? I also advised that XXXX. The same creditor XXXX XXXX is also again reporting on my XXXX report a balance of {$23000.00} while on my Transunion report shown below, they are reporting a balance of {$31000.00}. Why are they vastly different? I provide screenshots from both credit reports in my dispute letter. Today on XX/XX/XXXX I received notification from Transunion that the account will " remain as the the company that reported the information has certified to Transunion that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Per the FCRA not every credit report has to contain every account however if the account is reporting to more than XXXX bureau then all information must be the same. XXXX has once again disregard the plain black and white information provided that shows in plain site that the creditor is reporting different information to different bureaus. This is a violation of my FCRA rights. I also included in both letters that vehicle solution sold the vehicle since XXXX of XXXX and if my last payment was in XXXX of XXXX. How can the account still reflect a 180 days past due with XXXX and XXXX past due with Transunion. I will attach all information.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

We have a credit card through XXXX XXXX XXXX XXXX with COMENITY Bank. In XXXX of XXXX, we questioned a recurring, fraudulent charge of {$39.00} to our card from a " vendor '' called XXXX XXXX XXXX. Please note that the internet is rife with complaints about these fraudulent charges and one only has to XXXX the XXXX XXXX XXXX  to read about them. The bank took our information and told us the monthly charges had actually gone back over a year. The bank said it would reverse the charges for a total of {$510.00} while it investigated the charges. We thought that was the end of the problem. 

Fast forward to today, XX/XX/XXXX. We just realized that the fraudulent charges have started up again to our account and had now posted twice a month : twice in XXXX and twice in XXXX for a total of about {$160.00}. We called the bank for help and we were told that on XX/XX/XXXX, the bank had reversed the original reversal and our card was re-charged charged for {$510.00} for some bogus credit subscription. We are now out {$670.00} for fraudulent charges with a company with which we have NEVER done business. The bank refuses to investigate further and there is no end in sight to these charges going forward. 

While we could certainly cancel our credit card and stop doing business with COMENITY, we want to get back our {$670.00} first. Please help us get our money back and do whatever it takes to put the fraudulent vendor XXXX XXXX XXXX  out of business. Clearly, many, many people have had the same charges made to their accounts.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Bank is fraudulently requesting money from me for a closed account. 
-Bank sent a statement dated XX/XX/2023 that I owe 4 months ( {$9200.00} ) for an account that has been transferred to another mortgage carrier. stating I owe for XXXX, XXXX, XXXX, and XXXX As well as giving false, inaccurate and conflicting information to credit reporting agencies and Me. 
-reporting to credit reporting agencies that The account is still open, even though the account was transferred to another Bank AND responding to previous CFPB confirming this -reporting to CRAs that my monthly mortgage is $ XXXX/month. and sending my statements asking for $ XXXX/month
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (NV)

Account name : # XXXX Account name : XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX S.S. XXXX I AM HAVING A TON OF ISSUES TRYING TO GET MY CREDIT REPORT AND CREDIT SCORES. I CAN NOT GET INTO THE XXXX I CAN NOT GET INTO XX/XX/XXXX I AM TRYING TO BUY A HOUSE AND MY LEASE IS UP. I HAVE ATTACHED MY ID AND SS CARD
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-11-01
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. (MO)

This is a follow up of the previous CFPB complaint I submitted to the Credit bureaus requesting the removal of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. I also sent another Dispute letter last XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File, My dispute letters has complete attachments of my personal information as well as the IDTHEFTREPORT I received from the FTC. I have been disputing for the removal of the fraudulent items and yet the Credit Bureaus have done nothing. Once again, I need the following accounts and information removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX CT XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX A XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2022-11-01
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. (MO)

This is a follow up of the previous CFPB complaint I submitted to the Credit bureaus requesting the removal of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. I also sent another Dispute letter last XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File, My dispute letters has complete attachments of my personal information as well as the IDTHEFTREPORT I received from the FTC. I have been disputing for the removal of the fraudulent items and yet the Credit Bureaus have done nothing. Once again, I need the following accounts and information removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX CT XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX A XXXX, MO XXXX XXXX XXXX  CT XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2021-01-18
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-11-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, US Dept of ED Account # XXXX, and US Dept of ED Account XXXX XXXX has violated my rights. 

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 2018-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Harley Davidson Financial Services Inc (MO)

XXXX the HDFS manger called the XXXX police on me and filed a fake police report saying I was suicidal. Im a young XXXX man in Missouri this couldve gotten me killed.
Consumer complaint received 2023-06-29
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. (FL)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-19
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: EQUIFAX, INC. (PA)

I have previously disputed with this company for multiple accounts, XXXX XXXX XXXX collection and XXXX  These accounts does not belong to me and should not be reported. I submitted a letter to the creditors and credit bureaus with no success. 

These companies has failed to provide proof of identity, they are reporting inaccurate information such as open dates, balances, terms and things which I never owed. Please remove