davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-20
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. (SC)

In accordance with the fair credit reporting act the following account have violated my rights 15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX  Acct # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I Acct # XXXX, Acct # XXXX, Acct # XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX # XXXX XXXX, SC XXXX Employers XXXXXXXX XXXX
Consumer complaint received 2024-04-02
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Ensuring punctuality in payment has been a constant practice on this account, with no instances of overdue payments. Yet, I am perplexed by the presence of late payment remarks in my account records. Referring to 15 USC 1666b - Billing Error, I expect appropriate rectifications.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and definitely being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-20
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2018-04-12
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: Waypoint Resource Group, LLC (OK)

My most recent credit report showed a very large debt to a company I have never heard of, and said it was placed in a collections account. I called XXXX XXXX XXXX and they transferred me to Waypoint Resource Group. The first person I spoke with coul n't speak proper English. When I asked to speak to his supervisor, he wanted to know why, and continually refused to transfer me until I told him he was incompetent. Then a slightly more educated gentlemen got on the line, but tried to talk over me the entire time. The bottom line is, these are fraudulent charges and the 'companies ' associated with the debt can not find any account listed with them and are absolutely no help in resolving this matter. I've filed a dispute with the credit reporting agency, but these people should not be allowed to continue reporting false information on innocent people 's credit.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXXXXXX please delete this account XXXX XXXX XXXX XXXXXXXX please delete this account I have no knowledge of it. 

XXXX XXXX XXXX XXXXXXXX please remove all these accounts. I have no knowledge of them.
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Last month my XXXX ordered google play for XXXX times. We did n't know his tablet will connect my paypal account with my husband 's debit card. After talking to XXXX from XXXX. They were able to refunded XXXX out of the XXXX orders a total of {$240.00} USD. 
However Navy Federal Credit Union refused to credit those refunded items after filing an unauthorized transaction form and charging {$29.00} for every single overdraw transactions since the account did not have enough money from the begining. Nfcu requested a letter from XXXX and paypal with the word FRAUD. google give us a letter of the issue. XXXX does n't because they were just in the middle of the mess. Our NFCU joint account was negative for more than XXXX. They suggested to closed account until clarified issue, but when i received a TAX REFUND in my personal account for more than XXXX they transfered that amount to the bad account without inform us. That tax $ was to pay bills and yes their credit card. However after several tries and the fax we sent NFCU Keep arguing they need to see the word FRAUD in the letters. Why XXXX understood the situation of my son with XXXX clicking without knowing and the bank wants to see the word XXXX? Why do the take our $ and transfered in to a now closed account and charged us XXXX overdraw fees for & lt ; XXXX times? When google refunded XXXX out of XXXX orders. 
Thanks!
Consumer complaint received 2022-09-19
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Experian Information Solutions Inc. (CA)

Dept of educationXXXX you are reporting fraudulent loans on my credit report. 

I have 4 loans on my profile that has not verify and shouldn't be on my report. 

I have satisfied the default status and this account needs to be deleted. 


Dept of educationXXXX open XX/XX/2012, for account XXXX, open XXXX XXXX. XXXX XXXX and XXXX XXXX, I have satisfied the repayment options and these account needs to be deleted asap,
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name : XXXX XXXX XXXX XXXX, Account # XXXX & Account Name XXXX XXXX XXXX XXXX, Account # XXXX & Account Name : XXXX XXXX XXXX XXXX, and Account # XXXX & Account Name : 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 an account without my written instructions.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 2023-04-01
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act accounts listed should be removed immediately and have violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Remove ASAP! 


REMOVE ASAP! I have filed several disputes with Equifax for months AND IT NEEDS TO BE REMOVED ASAP iNQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX GA XXXX I am now up to 128 disputes and they are not removing or verifying just reporting and ignoring. I did not give authorization and have no knowledge of the inquiries.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act the following credit reporting companies have violated my rights : Experian, XXXX, XXXX. 15 U.S.C 1681 section 602 A., states i have a right to privacy.

15 U.S.C 1681 section 604A section 2, states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

PLEASE EXPEDITE RE : NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX This communication is forwarded in Requesting your assistance in helping me save my home due to a questionable mortgage. On XX/XX/XXXX Nationstar Mortgage submitted a copy of ORIGINAL NOTE/ORIGINAL MORTGAGE along with the following : Questionable Facts : XXXX MORTGAGE SUBMITTED BY NATIONSTAR 1.Mortgage Settlement Date on Instrument : XXXX XXXX SEE EXHIBIT A 2.Mortgage Settlement for Refinance on Instrument : XXXX SEE EXHIBIT A 3.Denial of Loan Modification based on questionable discriminatory words. 

" WE WILL NOT ACCEPT OBAMA MONEY '' These were indeed the words stated by Nationstar ' attorney on XX/XX/XXXX via his phone entrance. The room went completely SILENT. Nationstar ' attorney would NOT engage in any dialogue regarding the modification of my mortgage. XXXXMy Court ordered modification meeting ended with XXXX XXXX XXXX XXXX XXXX XXXX " We will report you to the Attorney General ''. PROBLEM : My legal Representative reported only the fact that Nationstar REFUSED MODIFICATION and NOT " We will Not Accept Obama Money ''. And Why? SEE EXHIBIT B FACTS : Mortgage Settlement Statement/Evidence : 1.Mortgage Settlement Date : XX/XX/XXXX SEE EXHIBIT C 2.Mortgage Settlement {$130000.00} SEE EXHIBIT C 3.CASH from Settlement {$53000.00} SEE EXHIBIT C XXXX ADDED TO MY MORTGAGE-?????? 
How did this happen? In retrospect, I never received a copy of my mortgage. I would receive a phone call from XXXX Wide Mortgage welcoming and advising me they purchased my mortgage and were having problems getting my paperwork. At that time I requested a copy of my mortgage, however I never received a copy. And the failure of my legal team is unbelievable, but, I will NOT stop fighting. And yes I filed XXXX XXXX twice and ruined my credit for I am seeking XXXX. I am a XXXX American and live with a XXXX  XXXX and placed my Trust in a financial system that has wronged me and too many Americans have lost faith in the American System. Please assist me to FIGHT this WRONG. 
XXXX XXXX XXXX PLEASE EXPEDITE
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX
Consumer complaint received 2024-04-03
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 trust this letter finds you in good health. I am writing to draw your attention to a discrepancy in my credit report that requires rectification. Upon a thorough review of my credit report, I have noted late payment entries listed on my account. 

I am confident there has been an error, as I have consistently maintained a timely payment history with these accounts. I kindly request your assistance in investigating and rectifying this inaccurately reported information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ) Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of Furnishers to Provide Accurate Information ( 1 ) Prohibition ( a ) A person who furnishes information to a consumer reporting agency must not provide any information that they know or have reasonable cause to believe is inaccurate.

Reporting Errors : If a consumer notifies the furnisher that specific information is inaccurate, the furnisher must refrain from providing that information to the consumer reporting agency.

Reasonable Cause : The term reasonable cause to believe that the information is inaccurate refers to having specific knowledge beyond mere allegations by the consumer that would cast doubt on the accuracy of the information.

Once the original creditor sells the debt to a third-party debt collector without my permission. I no longer owe the debt.

15 US Code 1681i ( 5 ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the treatment of inaccurate or unverifiable information in a consumer 's file at a consumer reporting XXXX. If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the XXXX.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Started on XXXX XXXX, XXXX. tried to use activated card an purchase denied. Called Bank of America and they said there was no problem, go ahead and use card. Tried again and still did not work. Called again and said everything ok. tried again after very long wait and still nothing. Had to use other means to pay... very embarrassing. 
This happened several times over the following weeks. I have made many calls and wasted many long minutes ( hours? ) dealing with problems not of my origin. 
On XXXX, XXXX, I tried to make my first payment and found it virtually impossible on the App without starting a Banking account. Everything led to starting a bank account. Tried to make payment using my Debit card, but they refused. 
Finally had to call and give my Bank account and routing number to make the payment. 
Accidentally gave wrong account number but was not informed until the XXXX, after payment was late. 
Bank of America then put a hold on my account and lowered my limit BELOW what had been purchased, then wanted a larger payment. ( XXXX XXXX ). Called and spent another 40 minutes giving correct info and making payment. Card has been on hold since, and limit lowered. 
Called again on XXXX and arranged for hold lifted and limit restored. They approved and additional XXXX dollars as well added to limit. I was told to wait two days to take effect. 
Monday, XXXX, XXXX, still unable to use card. Called again and was told that I would be receiving a letter denying the request, even though it had supposedly been approved the previous Friday. 
I have been put into too many difficult and embarrassing situations because of this bank card, and will never recommend this Bank OR card to anyone.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please delete all this accounts, inquiries and incorrect information now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Case Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Case Number : XXXX XXXX XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX