davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
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 hope this letter finds you well. I am writing to express my dissatisfaction with the first attempt made by your company to remove fraudulent items from my account. 

I discovered unauthorized transactions on my account, which I promptly reported to your customer service department. I appreciate the swift response and initiation of the investigation. However, after the first attempt to remove the fraudulent items, I am disappointed to inform you that the issue persists. 

Despite providing all the necessary information and documentation as requested, it seems that the resolution process has not been as effective as expected. I understand that addressing fraud cases can be challenging, but the lack of success in the initial attempt raises concerns about the efficiency of your fraud prevention measures. 

I urge your team to thoroughly review my case and take immediate action to rectify the situation. It is crucial for my peace of mind and financial security that these fraudulent charges are promptly removed from my account. 

Additionally, I request transparent communication regarding the steps being taken to resolve this matter and prevent any further unauthorized access to my account. A timely and comprehensive resolution is essential to restoring my confidence in your company 's ability to protect its customers from fraudulent activities. I am asking for your assistance to remove these fraud items in my credit file : 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 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 2022-09-17
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. (FL)

XXXX XXXXXXXX XXXX is reporting a balance on a credit card that was settled and should be reporting a {$0.00} balance and showing settles. I have reached out to them and all credit bureaus and the item continues to be verified which is not true and they are literally breaking the law by not updating this. the Account number is listed as XXXX and it is currently reporting a past due balance of {$1400.00}. So I am also confused how a charge off can report a past due balance also? Especially after this account was settled on a recorded line with XXXX and they took full payment and still have not sent me any correspondence in the mail about this as they promised on the call.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Thrift Investment Corp. (MD)

Thrift Investment and XXXX XXXX  are reporting on XXXX. These accounts are old and need to be removed. Last pay for Thrift Investment was XX/XX/XXXXand XX/XX/XXXX for XXXX XXXX. Time elapsed and should be removed from credit bureau.
Consumer complaint received 2023-02-04
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. (CA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These names on my credit report are wrong and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses never lived at. And are wrong. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Tx XXXX These employers never worked at. 

XXXX XXXX XXXX  XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate. 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 2020-11-15
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: First Investors Servicing Corporation, Atlanta, GA Branch (FL)

XX/XX/2020 i received a loan inquiry from a company i never reached out to and they got a copy of my credit report and it is now listed as a hard inquiry i never did.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY UPDATE THESE ACCOUNTS THAT STILL REPORTING ON MY ACCOUNT. Thank you. 
XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6200.00} // Late Opened XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120000.00} // Late Opened
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I received the letter from them telling me that my whole identity has been compromised from fraud that they had a Cyber attack my social security number my name my address is phone number I got this letter and nothing was ever done that was a whole lawsuit with the XXXX credit bureau companies that run credit checks and backgrounds under your name Equifax XXXX in the other one I can't remember the names quite often but all three of these companies sent me a letter saying fraud a Cyber attack I even got XXXX from XXXX XXXX  I also got XXXX from XXXX did the apartment of XXXX services and I believe I got XXXX from XXXX more company but I have to look for these letters now is lawsuits and I'm going to do another credit check to make sure nothing else is in my name I've seen of loan I never applied for and I seen some other things this needs to be taken care of and fixed and I need damages they owe me money it's not fair
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX I was involved in a romance scam that BOA allowed monies to be deposited in my account and that money was transferred out to the scammer and then my account was charged $ XXXX and now I've received a XXXX 1099 C that I owe a write off for $ XXXX. 

When this happened I went to the police because BOA said that was needed. My account was cleaned out XXXX I had in there plus the amount they added of XXXX. 

I tried contacting Bank of America and asking but they don't respond other than trying to do collections. Bank of America didn't help me.
Consumer complaint received 2020-11-11
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: U.S. BANCORP (AZ)

I have filed a credit card dispute with US Bank and they refuse to follow the XXXX Chargeback Guidelines in the process of my dispute. Subsequently, I have been denied due process in my claim against an auto repair company who I believe perpetrated an intentional repair upon me. 

My complaint against US Bank Credit Card US Bank has ignored my rights and due process as they relate to the XXXX Chargeback Guide as follows : 1. Closed my credit card dispute with XXXX XXXX XXXX XXXX without good cause, stating I received the services I paid for. In fact I clearly did not receive the services I paid for with the merchant which was stated in 6 pages of supporting documents that I submitted with my complaint to US Bank in accordance with the XXXX Guide Chargeback Guidelines. 

2, US Bank is now requiring me unjustly to submit a third party opinion letter before they reopen my case. According to XXXX chargeback guidelines it is at the cardholders discretion if they choose to submit a third party opinion for a charge back to be submitted. ( See XXXX Document ) US Bank has no right to request such a third party document at this stage of the credit card dispute.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2023-06-22
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2023-03-06
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. (NY)

In the month of XXXX, I have reach out to XXXX XXXX asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that XXXX XXXX defer payments by 2 months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be one time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the one time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards XXXX XXXX reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After XXXX XXXX noted on my credit report about the deferment of my payments, I then paid the one time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the one time fee upon my due bill date. 
I contacted XXXX XXXX  after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (IN)

CoreLogic sent me a copy of my consumer disclosure report. On that report, there were numerous variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the personal information data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.
Consumer complaint received 2020-11-11
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. (TX)

ENHANCED RECOVERY XXXX potentially negative icon Potentially Negative StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$210.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Revolving Accountsshow tooltip button XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$280.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Installment Loansshow XXXX  button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Sir or Madam : I am writing to dispute the following information in my credit file. The items Im disputing are : 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/2014 3 ) XXXX XXXX. These delinquent account records are inaccurate because I did not miss payments. I am requesting that the accounts be corrected to show that it has always been current, with no record of being delinquent. Please investigate this matter and correct the disputed items as soon as possible. Sincerely, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear All, I'm writing this complaint concering the three credid bureaus because i believe that they dont use correct criteria or use information in a wrong way to calculate one 's credit score.

In my case, I recently found out that my score dropped down 781 to 744 without any obvious reason. Indeed, looking at what has changed, I saw the following report : 1. Balance increased in one account by {$520.00}. This card statement balance is paid automatically every month. All my cards are paid automatically, every month. 
2. Balance decreased by {$53.00} XXXX XXXX XXXX XXXX ) Balance decreased by {$14000.00}. I paid off my auto loan ( XXXX XXXX ). 
Balance decreased by {$100.00} ( XXXX credit card ) 3. XXXX XXXXXXXX XXXX was closed. The only I know is that paid off my loan. I was not asked wheher to keep or not this account. 
After this, I'm trying to figure out what is wrong with my account and wonder why?!!! 
Am I punished because I have all my payments made on-time 100 %? 
Am I punished because I paid off my auto loan? 
Am I punished because I keep all credit usage below 8 %? 
Please, I would appreciate if the three bureaus investigate this issue and restore my credit score, which I believe it should be around 820. 

Thank you very much for your consideration. 
Kind Regards, XXXX XXXX
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

XXXX bought my mortgage. 
Never contacted me. 
Put my home in foreclosure after 120 days. 
I finally found out when trying to obtain a loan. 
Immediately paid arrears and penalties. 
Emotional stress unbelievable. 
Credit score XXXX 
Want the lawyer 's fees and late fees refunded. 
Want my credit score restored.