davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (CA)

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 the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were reflected as a late payment 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 100 % true, accurate & correct.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On my credit report is states Kohls/Cap One/ $ XXXX # XXXXCharge Off There have been several times reached out to Kohls and Cap one about this and removing it from my credit report. It has went unanswered and no one has got back with me on this matter at all. Please have this removed and resolved.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-04-05
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. (TX)

I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX. 

I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX
Consumer complaint received 2023-05-16
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. (MS)

accordance with the Fair Credit Reporting act XXXX Account, 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 Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account XXXX : XXXX Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-07-13
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. (NC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$330.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-16
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. (IL)

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 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 any consumer reporting agency if the ( A ) ( 1 ) person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After a thorough review of my credit report, I have identified what I believe to be an inaccuracy in the reporting of this bankruptcy. As per my records, the bankruptcy was discharged, and I contend that it is currently being reported inaccurately. I kindly request that you investigate this matter promptly and verify the accuracy of the information associated with the mentioned public record. If it is indeed reported inaccurately, I request that you take the necessary steps to rectify the error and update my credit report accordingly. I understand that accuracy in credit reporting is crucial, and I am eager to ensure that my credit history is a true reflection of my financial circumstances. I appreciate your attention to this matter and expect a thorough investigation within the timeframe stipulated by the law. US BKPT CT CA XXXX XXXX XXXX.
Consumer complaint received 2022-12-23
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. (NC)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX, Balance {$0.00} )XXXX XXXX XXXX  ( Date XXXX XXXX XX/XX/XXXX Balance {$0.00} ), XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX  ( Date XXXX XXXX XX/XX/XXXX, Balance {$100.00} ), XXXX  ( Date Opened XXXX XX/XX/XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance {$280.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-05-16
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-05-16
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4200.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-28
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: SYNCHRONY FINANCIAL (CA)

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 the customer service representative of the said accounts. XXXX XXXX was reflected as a late payment 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 100 % true, accurate & correct.
Consumer complaint received 2023-05-16
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-05
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: AMERICAN EXPRESS COMPANY (PA)

We have been a business American Express XXXX XXXX for 17 yrs ( never a missed business payment ever ). They extended a business line of credit thru a failed division called kabbage. All payment have been made on time ( I requested 3 weeks ago for a 3 week ext. and then payment in full prior to a 30 day mark ) They agreed and then in the process of taking payment they shut down the platinum business card that we have had for 17 yrs ( we have dozens and dozens of vendors that have auto pay going thru that account-this has created a real mess. 

Items they should be held accountable for : Deceptive business practices Making false marketing statements Fraud Sweeping payments without authorization Failure o follow he XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (TN)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2021-01-12
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: Santander Consumer USA Holdings Inc. (FL)

In a multi state class action lawsuit to which I am included in a settlement agreement litigation Santander Consumer has agreed to provide relief by removing any and all negative information which has negatively impacted my credit report me the consumers in which they have reported to all three credit reporting agencies should have been deleted
Consumer complaint received 2023-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

I have divorced my ex-wife and I went through the assumption process with Freedom Mortgage Corporation ( Existing Lender ) after getting all cleared/submitted and completed when I accessed my loan in the XXXX APP from Freedom Mortgage there was a duplicate loan showing in the screen with the exact information, however the Loan Term shown XXXX yrs ( did not match my Closing Disclosure at XXXX XXXX mo due to the assumption ) nor the monthly payment described in the XXXX $ XXXX XXXX. After several calls and time spend of reporting these issues, I was told to create a new account however when I tried there was a XXXX message telling me that the information was incorrect then I had to call XXXX  several times after this and today I have been notified that my access was cut/deleted that I won't have access to my loan using the website due to concerns of me having to access information from my ex-wife ( Which by the way the only info in the website was her name and nothing else ). I believe XXXX is not taking care of me as a customer as well as limiting me the ability to manage my account as any other of their customers, needless to say but I have never missed a payment. 

I believe they need to correct this issues as soon as possible and make sure I have the same level of access of another of their customers including the ability for me to manage my account at my own will.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (CA)

I only owned XXXXXXXX XXXX card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, XXXX XXXX XXXX XXXX sent me a new card after my XXXX card got fraud charge. Then, XXXX XXXX XXXX XXXX made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received XXXX card that the card wasn't working, and the last name is wrong. Ever since, I visited XXXX XXXX XXXX XXXX XXXX times and must had called them XXXX times XXXX weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about XXXX weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. XXXX XXXX XXXX XXXX representative stated they started investigation more than XXXX  days ago. I heard that at least XXXX times from different representatives over XXXX  months. They never called me back. I called them multiple times, they have made no progress, in past XXXX months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from XXXX XXXX XXXX XXXX. I desperately need to fix credit score to XXXX a condo. Thank you very much.
Consumer complaint received 2023-05-16
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. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2021-01-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (DE)

Please look into lenders. I would like you to look into how lenders are boxing out low income families during this period of low rate mortgages. Lenders are being listed as FHA lenders who should only require a XXXX XXXX of XXXX. However, lenders like Pennymac Loan Services and several others have raised their requirement to XXXX despite the FHA requirement. Other lenders, per a XXXX XXXX XXXX, have raised their requirement to as high as XXXX. This is a personal affront to families trying to take advantage of the low mortgage rates who may not meet the conventional standard. These lenders are using conventional standards for FHA loans. They should not be allowed to use FHA standards to advertise or lore in consumers. This is not fair to families who would be able to own their homes under the FHA guidelines. They are now being boxed out of the market. Shame on XXXX and many other lenders. During this time of hardship, to be adding more hardship so freely.
Consumer complaint received 2023-09-28
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. (NY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently found that during the month between XXXX and XX/XX/2022 I was doing purchase of my home and equfax played with my credit scores to make them drop dramatically now I suffer from that and caused myself and family a home