davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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. (WA)

I have disputed with Equifax numerous times over inaccurate and or incomplete information on my consumer reports. Equifax continues to verify inaccurate and incomplete information on my consumer report which is continuing to harm my credit, cause emotional distress, and damage to my credit reputation. I have pursued legal action against Equifax. SEE ATTACHMENTS,
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my ( XXXX, TransUnion and XXXX ) credit reports, and I noticed some late payments posted on my credit reports : The account below is being listed with late or missed payments and that is incorrect. I sent each Credit Bureau i letter stating that this account wasn't late and that i had identity theft in XXXX of this year and had to have my checking account info changed, XXXX XXXX made note of the new account however didn't remove the old checking info and when XX/XX/XXXX payment was made charged the old account which was told would be removed and wasn't. Causing my account to be reversed with being late. 

THIS ACCOUNT SHOULD READ PAYS or PAID XXXX XXXX XXXX XXXX ( Account # XXXX ) Late Payment XX/XX/XXXX These are the certified tracing labels for each credit bureau and copy of letters sent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Tracking # : XXXX Trans Union LLC XXXX XXXX XXXX XXXX box XXXX XXXX XXXX PA XXXX Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX # : XXXX
Consumer complaint received 2022-02-22
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. (NY)

Dear XXXX, XXXX, and Experian. Please remove the following fraudulent inquiries from my consumer credit file. You are in violation of 15 US Code 1681. Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX, please remove the following fraudulent account from XXXX XXXX  from my credit profile as well. XXXX XXXX Account Number : XXXX This is account is not mine. Please remove it immediately. Please remove all fraudulent student loans from both my Experian and XXXX profiles.
Consumer complaint received 2020-01-07
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. (AK)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I receive a paper statement in the mail however, this statement failed to be delivered. When I realized that this statement never arrived I immediately contacted the creditor and made the scheduled payment. I was assured by the representative that I made the payment with that no late fee would be given. I did not realize there was a late fee until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit  score and this item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Century Finance, Inc. (NC)

I have had a loan with this companies for over a year. I had a death in the family and I ran into some hard times. This company has been harassing me by coming to my home to leave a note, reaching out to family members who in turn contact me out of concern. I am scared to go home after work each day for fear someone is out there waiting for me. The company has been emailing me at work as well harassing me which I had to turn the block messages sign off so I won't get upset at work. It has been very stressful. They call at all hours.
Consumer complaint received 2023-06-02
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. (GA)

Please Remove/Block these fraudulent accounts from my credit report in 4 days of receipt. I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
1. XXXX XXXX- XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

All credit report agencies are reporting an alleged bankruptcy on my credit report profile. I asked how they verified information, was told XXXX who I then contacted them directly they said they could not validate information and would remove it. I then sent the credit reporting agencies proof of that noticed, they then gave me statement now saying the bankruptcy courts told them about this alleged bankruptcy. I contacted bankruptcy courts and sent all 3 credit agencies notices from the court indicating they did not and yet they refuse to remove this false information. Attached is proof. I need all 3 credit bureau ( XXXX, Transunion and XXXX ) to remove this inaccurate information as my score is being penalized for it.
Consumer complaint received 2022-12-27
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. (IN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (FL)

- Opened Home equity loan with Wells Fargo ( Approx 2005 ) XXXX XXXX XXXX held mortgage. 
- Home went into foreclosure during divorce... I notified Wells Fargo that home was foreclosed. 
- Wells Fargo rewrote the loan to " Personal Equity Loan '' and began vicious collections. 
- Wells Fargo customer service told me that the loan was written because managers do this to achieve a bonus. I told them I did not sign any documentation. 
- Loan reverted to " Home Equity '' and vicious collections efforts resumed. I brought the account into their compliance and collections reporting and efforts ceased. 
- Notified Wells Fargo that " Home Equity '' loan is not applicable. I do not own the home. Loan converted to " EquityLine with Flexibility '' again without my authorization. 
- Attempted to be included in Wells Fargo class action suit. Never heard anything related to my inclusion. 
- I posted comment on my credit report and Wells Fargo responded to my complaint and listed " Foreclosure '' after more than 7-10 years after the event and it dropped my credit rating. 
- I continue to pay {$290.00} to keep them from their relentless activities. 
* This loan should have been dissolved at the foreclosure and Wells Fargo should have reconciled with XXXX XXXX XXXX. The loan was rewritten numerous times without my authorization ( most likely to meet management performance objectives ).
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights XXXX Or a 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 2022-12-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My wife, XXXX, and I applied for a HELOC in XXXX of XXXX and were approved in XX/XX/XXXX. We had no issues with credit or the process per se. However, the reason we applied at that time was the Fed was preparing to raise interest rates. We are both fairly savvy financial people both personally and professionally. During the process, I asked my loan originator whether my loan was a fixed rate loan and she stated yes. This was done both verbally and in writing. Unfortunately, due to Bank of America 's secure email system, I can not pull any of her communications. 

We now find ourselves paying an adjustable rate HELOC that goes up each month by many basis points. We have never ever signed on for an adjustable rate loan due to the uncertainty of them. In fact, I asked a very pointed question if I drew down the entire XXXX would my interest rate be fixed until repayment. The answer was yes. 

I also NEVER received loan documents until I requested them this past XXXX which state variable rate.
Consumer complaint received 2022-12-27
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. (OH)

Recently, I did an investigation on my credit report which caused servers XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing that I am also a victim of ID theft?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 12 U.S.C and 1681i ( 7 ) Methos of verification- Description of reinvestigation procedure. 

Resolution As a consumer, by law my credit report must be made 100 % accurate immediately by credit reporting agencies updating and/or deleting the accounts listed Thank you
Consumer complaint received 2023-12-29
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. (CT)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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  and so on.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/22, I paid {$140.00} to settle a debt owed to XXXX Credit card. I was told over the phone that the entry would be removed from my credit report within XXXX  days. I waited double the time and it is still reporting. I tried to open a dispute with TransUnion and it was not resolved. I was told the information is reporting as is and I was not provided any documentation of how the information was investigated. Shortly after, they sold my account to a collection agency by the name of XXXX XXXX and I was sent a letter advising they are trying to collect a deby from me that was already paid.
Consumer complaint received 2023-02-11
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. (NY)

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, 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 1681's-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 inforation is inaccurate
Consumer complaint received 2024-03-20
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (TX)

On XX/XX/XXXX I was mailed a bill for a property tax assessment from the year XXXX in error. I was also notified of a separate bill via email for a different amount, also in error. The first bill is for {$300.00} due on XX/XX/XXXX. The second bill ( which I only received notice of via email ) was for {$270.00} due on XX/XX/XXXX. I bought out this lease in XXXX of XXXX. All outstanding taxes and fees were paid in full at that time. 

I contacted the XXXX XXXX XXXX XXXX on XX/XX/XXXX, and they have no record of these bills and assured me that they have been sent to me in error. They said if I had a tax assessment in my name, it would have come straight from XXXX XXXX and I would have an account number in order to look this information up. She also mentioned that they get these calls all the time and they have no account in my name with outstanding taxes due. 

When I called and spoke to a representative from Hyundai, they were also unable to give me any information regarding where these charges came from, how they were calculated, what my XXXX XXXX tax account number is, or why I have XXXX separate bills from XXXX years ago. When I log onto my XXXX account, there are no documents, statements, or any other information on where these charges came from either. They told me to *mail* a letter to XXXX in California requesting an abatement so they can do some research on the issue, and then wait XXXX business days before following up. There is not a direct phone number nor an email for me to reach out to and expedite the issue. The representative said she would email the department for me. 

I am not inclined to pay these bills and I would like them removed from my account as soon as possible. I no longer have an active lease account with Hyundai Motor Finance and should not be receiving any bills from this institution. Ive had issues with unexplained property tax assessments from XXXX in the past and the abatement process went nowhere. I ended up paying them taxes in a state I no longer lived in and hadnt lived in for over a year. I do not want these charges on my account to be sent to collections and affect my credit, nor do I want to give XXXX any more of my money.
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC (TX)

THIS IS ABOUT CANCELLATION OF A LOAN WITHIN THE STATED DEADLINE : I was approved for a loan of {$43000.00}, from Solar Mosaic LLC, License XXXX, to finance solar installation. The solar company representative said he was with XXXX XXXX, who had good reviews. Later I discovered XXXX XXXX was owned by XXXX XXXX, who as terrible reviews, from solar panels not working to electric bills being twice as high after solar installation, as well as bad customer service. I submitted the cancellation to Solar Mosaic LLC within the deadline of XX/XX/XXXX but I am having difficulty getting Solar Mosaic LLC and XXXX XXXX to cancel my installation and loan agreement. Though Solar Mosaic LLC received my cancellation request on XX/XX/XXXX, they said on XXXX that they had already funded the money to XXXX XXXX  XXXX XXXX said the completed a cancellation request and gave me a ticket number but refused to give me a copy of the cancellation. 

XXXX XXXX advertises that there is a state incentive for zero down, but this is not true. They assist in getting a loan if you have good credit. There XXXX ad even has Texas XXXX XXXX 's picture on their ad. 

XXXX XXXX operate using various names to avoid customers realizing that their products do not work.