davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (IN)

I received a certified letter from Chase attempting to collect a safe deposit box fee that was cancelled and discharged through Chapter XXXX bankruptcy. I filed in XX/XX/XXXX, discharged in XX/XX/XXXX. The deposit accounts and all closed and discharged. 

I emailed the Chase Executive Team on XX/XX/XXXX, and still to this point have been told that the legal team has it but no updates or other information can be given.
Consumer complaint received 2023-02-15
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

If, after any reinvestigation after paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 


I sent out validation letters to the 3 credit bureaus ( XXXX, Equifax, XXXX ) to verify the following accounts below. The credit bureaus sent letters verifying all information on the reports. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate XXXX reports : XX/XX/XXXX Equifax reports : XX/XX/XXXX - 'Date Reported " is inaccurate XXXX reports XXXX XX/XX/XXXX Equifax reports XXXX XX/XX/XXXX The account has already been deleted by XXXX due to these inaccuracies but Equifax & XXXX have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. 


Account : XXXX XXXX XXXX  XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on all 3 bureaus XXXX reports : XX/XX/XXXX Equifax XXXX : XX/XX/XXXX XXXX reports : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. 


Account XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on all 3 Bureaus XXXX reports : XX/XX/XXXX Equifax reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX - 'High Balance ' is inaccurate on all 3 Bureaus XXXX reports : {$0.00} Equifax reports XXXX {$520.00} XXXX reports XXXX {$1300.00} Attached files to show inaccuracies are from XXXX
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

I am wanting to make sure that this debt is being reported accurately on my credit report. On XXXX/XXXX/16, I sent a 2nd request for validation of debt via traceable mail. The letter was received on XXXX/XXXX/16. On XXXX/XXXX/16 a dispute letter was sent to XXXX to challenge the validity of the debt and make sure it was reporting 100 % accurate. 

On XXXX/XXXX/16 Enhanced Recovery Corp responded to the XXXX dispute with a statement " Verifying '' the account and it 's correct and accurate reporting. 

The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer request is received. 
By them verifying the debt with Equifax without validating the debt, they violated the FDCPA. 

Furthermore, Enhanced Recovery Corp failed to report the item as " in dispute '' with XXXX..which is another violation of the FDCPA.
Consumer complaint received 2023-05-29
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. (FL)

I sent a request to investigate inaccurate account information on my credit profile on XX/XX/2023 and XX/XX/2023 Its now been 45 days since I sent my inquiry, but I have yet to receive a response. 
Im looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dreams.
Consumer complaint received 2022-10-11
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. (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 2018-03-13
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. (NV)

The bankruptcy court supplied me with a letter that they did not report a bankruptcy to the credit agencies, instead of removing the incorrect information that did not belong to me they instead only removed one of the two errors and told me I have to send in another duplicate letter I already sent them claiming they can only remove one derogatory remark at a time this is the second request they have ignored the first was my request of 9 hard inquiries I did not authorize a letter was sent and now a second letter request was sent and they have failed to address this by supplying me with documentation baring my signature for these items on my credit report so they have disregarded my rights to the fair credit reporting act 611 ( a ) ( 1 ) ( A ). Then XXXX only removed the reporting source of the U.S bankruptcy court but shows as a derogatory public record which did not remove the incorrect derogatory information instead left it on my report without any source of reporting agency information and failed to supply me with the method of verification that I requested and updated my personal information with incorrect information regarding my employment that was not disputed and shown correct before, I have been at the same employer for the past 14 years so there was no reason to make that changes to my personal information without any source of changes from any agency. As well as pulling a hard inquiry I did not authorize with their company. I can only assume they did all of this purposely because of the unprofessional conversation I had with their agency. Their practices in resolving my issues has violated the fair credit reporting act section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2023-01-04
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. (TN)

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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX, XXXX & XXXX. 

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 2023-05-29
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: EQUIFAX, INC. (VA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-29
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: EQUIFAX, INC. (MI)

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. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (MN)

Not authorized to use Name, employment information or previous addresses on credit file not in use on credit accounts. Such private information can be used for instances of identity theft and I am requesting such information be removed from credit report. 

NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2016-01-10
Product: Debt collection — Mortgage
Issue: Communication tactics — Used obscene/profane/abusive language
Company: WELLS FARGO & COMPANY (CA)

White man came to my property at XXXX XXXX XXXX XXXX at XXXX XXXX walked up the driveway took pictures of my ( the ) vehicles ( license plates ) in the driveway, walks to the door, and places a envelope ( attached ) to the front door screen. All this is taking place as my folks that reside at XXXX XXXX ' XXXX XXXX year old son is observing on surveillance video while watching TV. He asks the white man what he 's doing as he walking away from the front door down the driveway again, taking pictures of the front door, and car license plate in the driveway. Gets to the end of the driveway and answers the kid by hollering out " XXXX MOVE '' ... The kid takes the envelope from the front door, and gives it to his mother who gives it to me. The statement in the envelope says : Urgent Notice : Please contact your mortgage servicer immediately at : XXXX Thank You " XXXX MOVE ''
Consumer complaint received 2018-03-13
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. (FL)

Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX List fraudulent inquiries : a ) XXXX  b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name
Consumer complaint received 2023-03-25
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. (IL)

Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX Acct. No. XXXX. Because the past due balance reported by Experian, XXXX and XXXX are different, which means the account has not been properly verified legally.
Consumer complaint received 2024-04-04
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 HAVE BEEN A VICTIM OF IDENTIY THEFT MULTIPLE TIMES IN THE PAST, MY INFORMATION WAS COMPRIMISSED IN 7+ DATA BREACHES, I HAVE TRIED MULTIPLE TIMES TO DISPUTE THIS ACCOUNT WITH EQIFAX AND THE COLLECTION AGENCY AND THIS ACCOUNT STILL HAS YET TO BE REMOVED. I DID HIRE A CREDIT REPAIR AGENCY IN THE PAST AND AFTER I USED THEIR SERVICES AN ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX APPEARED ON MY CREDIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS IVE LIVED IN XXXX XXXXXXXX FOR XXXX YEARS GOING ON XXXX. I AM AWARE THAT IF A CONSUMER DISPUTED AN ACCOUNT THAT IT IS THE CREDIT REPORTING AGENCIES DUTY TO BLOCK THIS ACCOUNT 4 DAYS AFTER RECEIVING THE DISPUTE LETTER. EQUIFAX HAS FAILD TO ABIDE BY THESE FEDERAL LAWS.
Consumer complaint received 2024-04-04
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. (FL)

I am refilling this complaint to EQUIFAX with confirmation number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (NY)

I submitted a letter to the XXXX Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-20
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: CarMax, Inc. (TX)

Items where illegally ran on my credit. Not giving consent to do so by me.! 

XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX carmax XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Adjustment Company Incorporated (NC)

To be clear, CACI did not reveal what the matter involved. However, they did choose to contact my XXXX old father to determine my location. 

I already told them specifically that I did not owe the debt and not to call. Additionally, I should note that I did request a change of address form from the post office. As such, any and all mail I received would have been forwarded. 

On top of that, they have my phone number and they've spoken to me and I clearly told them I do not owe the debt. 

My complaint centers around contacting an elder relative to obtain information. Regardless as to whether they share information or not, it is inappropriate to contact associated persons fishing for information.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has been playing games with my mortgage and my home now for a year. We first agreed to a Deed in Lieu. I signed over the home and vacated like they requested. The date they requested there was not a lien on the house but because they dragged their feet with recording - the HOA placed a lien on the house. However, I was never told the title never recorded. Meanwhile my credit was destroyed and the home has XXXX HOA liens and Wells Fargo still has not taken title and now claims they have reneged on the DIL. Now they are harassing me for the mortgage payments. I moved back in the home and have been asking to work with them on a modified loan but they refuse to help me. They call me XXXX to XXXX times a day yet no one will speak to me about a loan modification. I am certain they are just looking to rack up fines and fees so they can be reimbursed by Fannie Mae or whatever unethical business practice they are up to. They have destroyed my life and continue to do so. I just want to stay in my home and pay my mortgage but I need the to work with me. I would n't even be in t his mess if t hey had just recorded the DIL when they were supposed to. They are so unethical I can not believe they can get away with such fraud.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, XXXX XXXX XXXX has damaged my name, and my credit XXXX XXXX XXXX has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX XXXX mistake. XXXX XXXX XXXX has resource to enable accurate information about the clients inquiring new services. XXXX XXXX XXXX allows an account to be placed under my name erroneously. XXXX XXXX XXXX should verify all information prior to approving any application 's for services.