davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
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. (PA)

Equifax after several attempts over past 2 years finally removed a negative account XXXX XXXX, a account I have never owned from my file ... and then downgraded my vantage score from a XXXX to a XXXX, I just got approved for a loan for sons college ... and this drop cost me a additional {$1300.00} in interest, prior auth was based on a XXXX with good credit, now since its dropped to a XXXX fair, interest rate is escalated, my Credit Score should be easily in the area of 800, I have nothing but excellent paid record on all legitimate accounts, and they have not increased my score as they should have, comparatively XXXX XXXX and XXXX, when they removed the XXXX XXXX account, increased my score from XXXX a XXXX to XXXX, and XXXX XXXX to XXXX respectively, yet Equifax downgraded my score by 44 points, even with several credit line increases ... this is outrageous
Consumer complaint received 2024-03-14
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. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus Letter last XX/XX/XXXX, Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX ; XXXX XXXXXXXX XXXX Balance : {XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC. (CO)

cit bank a/c no. XXXX can't close account can't get thru to talk to a person. minimum wait is 69-120 minutes. have tried 5 times, but can't get thru no call back feature on their telephone system tryied to chat on their online system, but no response sent letter to close account and transfer funds on XX/XX/XXXX, but no response
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-20
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. (VA)

I have written five dispute letters to each reporting credit accompany. It is the same results every time. I received results on XX/XX/XXXX 2022, same results from previous results. I do not believe investigations are being done just receiving data ffrom database system and stating the information is correct. It is identify theft, as XXXX XXXX service member I was XXXX. During XXXX, I had to leave a copy of my ID XXXX drive license, and Social Security, power of attorney to the person who it taking care of my children so my children could go the doctor and stuff. I want a thorough investigation. That is my right.
Consumer complaint received 2023-03-08
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. (NJ)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name XXXX US DEPT ED Account Number:5186**** Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name XXXX DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX has violated my rights. Or list of inquiries 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 2019-11-26
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. (GA)

I submitted three certified dispute letters to the three credit bureaus disputing two unverified accounts appearing on my credit reports. The two items in question on my credit reports are, XXXX XXXX XXXX and US Dept Of Veterans Affairs. In the prior responses from the credit bureaus they were all basically stating the statuses reported were " accurate or verified. '' On XXXX XX/XX/2019, I submitted the fourth and final dispute letters to the credit bureaus prior to submitting this complaint to the CFPB. 

I received a response from XX/XX/XXXX and XX/XX/XXXX in the mail around the XX/XX/XXXX, a credit report from XX/XX/XXXX and a letter from XX/XX/XXXX ( I misplaced the letter and it is not include in this complaint. ) I received the response credit report from Trans Union on XX/XX/2019. But, all the letters are typically stating the items were verified as accurate. I find that assertion to be inaccurate due to the fact that under the FCRA, the credit bureaus are required to have a copy of the original creditors documentation on file to verify the information on my report is mine and correct. 

In the investigative results from the credit bureaus, they stated in writing they " verified '' the items were being " reported correctly. '' Who verified these accounts? I have not been provided a copy of ANY original documentation ( a contract with my signature on it ) from any of the disputes I sent to the three credit bureaus! This is a violation of Federal Law under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A. ) The credit bureaus have also failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ).

The law is very clear in that the credit bureaus are required to " promptly DELETE all information which can not be verified, as per Section 611 ( 5 ) ( A ) of the FCRA.
Consumer complaint received 2019-06-23
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. (OH)

THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX XXXX  OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXXXXXX, XXXX Account # XXXX {$1900.00} Account # XXXX - {$710.00} Account # XXXX - {$710.00} not only did my medical insurance cover the above amounts the two accounts that show I allegedly owe {$710.00} is reporting on my eqifax credit report incorrect its showing i owe {$730.00} on XX/XX/2022 the above accounts were removed and then readded on my credit report as new collections My privacy was also violated during a time where these medical bills were inaccurately allegedy validated by this third party collection. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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. (TX)

XXXX XXXX XXXXXXXX, XXXX Account # XXXX {$1900.00} Account # XXXX - {$710.00} Account # XXXX - {$710.00} not only did my medical insurance cover the above amounts the two accounts that show I allegedly owe {$710.00} is reporting on my XXXX  credit report incorrect its showing i owe {$730.00} on XX/XX/2022 the above accounts were removed and then readded on my credit report as new collections My privacy was also violated during a time where these medical bills were inaccurately allegedy validated by this third party collection. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS.
Consumer complaint received 2022-03-24
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. (AZ)

My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no 100 % accurate accounts on my credit report.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

Cardinal approved a refinancing on my house in early XX/XX/2022 and the night before I was to sign the actual loan documents, I reviewed them and found they had sneaked in two poison pill clauses not previously seen in their disclosures. One clause allowed them to take over my trust as soon as I died. This clause has been used by banks to steal billions from the estates of deceased persons including one very well publicized case involving XXXX XXXX charging an estate for huge legal bills without the knowledge of beneficiaries and putting a much larger mortgage on the house benefiting XXXX XXXX. The other clause was " Without Recourse '' which means I could not sue Cardinal if they screwed up, defrauded me or I found the contract violated the law. Cardinal also failed to put in the contract what was promised to me in emails-that I could recast the loan at any time with no charge. Without this promise being in the contract, it was not enforceable and a fraudulent empty promise. I told Cardinal I would not sign the contract until all the above items were corrected but they refused claiming their slimy business practices were the industry standard. I then refused to sign this immoral and probably illegal contract.
Consumer complaint received 2024-03-14
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)

a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.

( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.

accordance with the fair credit act first progress, 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 a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I do not owe this debt to XXXX  XXXX XXXX, it was a fraud check that was deposited due to a scam. They are reporting improper information on my Chexsystem report and I have tried over and over to resolve it I even tried a pay for deletion, I paid one but they did not delete off my report
Consumer complaint received 2022-04-20
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
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: Experian Information Solutions Inc. (CA)

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. 

Convergent Accounts XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX ... has violated my rights. 

15 U.S.C 1681 Section 604 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 1666B : A creditor may not treat a payment on a credit card, auto loan account under an open end consumer credit plan as late for any purpose.
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: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-14
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. (TX)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2024-03-14
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)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.