davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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. (AR)

I would like to express my deep frustration with the repeated attempts to correct the status of several open accounts that have been erroneously marked as late. Despite my diligent efforts to rectify this issue, it persists, causing significant inconvenience and adversely impacting my creditworthiness. 

The inaccurate reporting of late payments on these accounts not only misrepresents my financial responsibility but also undermines my credibility as a borrower. As a conscientious individual, I take great care to manage my financial obligations promptly and responsibly. Therefore, it is both distressing and unacceptable to be unfairly penalized for purported late payments that do not reflect the truth of the matter. 

I have made numerous attempts to address this issue through the appropriate channels, including contacting your customer service representatives, submitting dispute forms, and providing supporting documentation. However, despite my persistent efforts, the necessary corrections have not been made, and the erroneous late payments continue to tarnish my credit profile. 

I hereby request immediate action to rectify this matter. Specifically, I expect : The accurate adjustment of the affected open accounts to reflect the correct payment history, removing any erroneous late payment notations. 
Prompt notification to the relevant credit bureaus and agencies to update my credit report, accordingly, reflecting the accurate status of my accounts. 
Transparent communication regarding the steps taken to resolve this issue and a timeline for the completion of the corrections. 
Furthermore, I demand assurance that measures will be implemented to prevent similar errors from recurring in the future. It is imperative that your organization upholds the highest standards of accuracy and integrity in its reporting practices to maintain the trust and confidence of its customers. 

Failure to address this complaint satisfactorily will leave me with no choice but to escalate this matter to regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to correct these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2019-12-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (CA)

We are behind on our mortgage payments. Our application is in Loss Mitigation awaiting my hardship letter which I sent last week. I called to pay XXXX $ this morning and Guild would not take it. 
I would like a letter stating why I wasnt allowed to make a partial payment. We are trying to do everything we can to keep our house and not being able to pay was not what we expected from your company who states they try to keep people in their homes.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX {$780.00} 2 ) XXXX XXXX   {$690.00} 3 ) XXXX XXXX XXXX {$370.00}
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX  {$780.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$370.00}
Consumer complaint received 2023-07-01
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-01-13
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (CA)

I was provided with a notification of collections from Williams & Fudge , Inc dated XX/XX/XXXX for a debt due to XXXX   XXXX University XXXX XXXX for the amount of {$10000.00}. Friday XX/XX/XXXX, I reached to the organization to remed the debt. Upon trying to get ahold of the organization to establish a payment plan, or to get a general idea of my options, I accessed their website. There was a section to complete a proposal of payment, in which I completed requesting to pay {$50.00} starting XX/XX/XXXX, providing all of my necessary information for them to get ahold of me and send me a confirmation of payment plan. Upon submission, no confirmation email was sent and no record of the agreement showed up on their site, indicating that any attempt at reconciliation was made. Two days later, XX/XX/XXXX, I went back to their site to formally make a payment, establish payment plan, and also define the frequency and start date of the payment plan. Again, I requesting to pay {$50.00} starting XX/XX/XXXX. I provided my account information, established my payment agreement, and submitted the request. Again, I get no confirmation. Now, it is XX/XX/XXXX, and I received confirmation from my bank that the funds have not been taken out. I am not able to get ahold of anyone to get ahold and talk to. I have called on repeated occasions, including XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX in which I am prompted to leave my name, SSN and phone number, and they full call back. I was not comfortable leaving my SSN. I have left two messages at this point and attempted two attempts of electronic communication and have received no acknowledgement from the organization. I am literally unable to talk to anyone or process any payment plan.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX  {$780.00} 2 ) XXXX XXXX   {$690.00} 3 ) XXXX XXXX XXXX {$370.00}
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (CA)

PayPal credit did not notify me about increasing my credit limit. It began as XXXX and now it is XXXX. They failed to notify me of a credit limit increase. Also they continued to increase my limit multiple times without my consent or request. I didn't qualify financially for the increase during that time.
Consumer complaint received 2019-11-28
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. (NY)

Experian had deleted a item in XXXX of 2019. Then after the deletion they reposted it 2 months later from the company who does not report this account. XXXX XXXX XXXX has no records of any relationship with experian on me or my social security number and says they have no idea what experian is doing
Consumer complaint received 2022-10-02
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. (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 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 information is inaccurate.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I've been depositing my paycheck with the USAA Mobile App every month since XX/XX/2019. Deposits on payday are approximately {$6000.00}. Every time, there is a {$1000.00} hold of the the {$6000.00}. That is not the problem. On XX/XX/2019, I deposited my paycheck of {$6000.00}. A hold was placed on {$5500.00}. This hold has prevented me from paying rent and bills. I trusted the bank. They always held only {$1000.00}. I work for the XXXX of XXXX. My checks are not from an unknown source. I spoke with USAA Monday, XX/XX/2019 and escalated by call as high as I could go for all the representatives to tell me there is nothing they can do about it and the hold will be in place until XX/XX/XXXX. There was no information when I deposited that possibly this much money would be placed in a hold. 

Is it true the bank can not remove the hold? Is it impossible?
Consumer complaint received 2020-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (WI)

I am unable to speak with anyone at the company about my issue. This is primarily because I have no recollection of ever having entered into a loan agreement with this company. I do not understand the terms of the loan and why so much interest is being collected. To prove that I, in fact, owe this debt, I would like the company to furnish me with a copy of the original loan document with my signature and the terms clearly defined. Otherwise, I will consider this debt to be invalid and any effort to collect this debt a violation of my consumer rights. I affirm that I never entered into any loan agreement with this servicer and that this servicer has somehow acquired access to my personal information and assigned a debt and terms and conditions of debt to me based on its own business interests.
Consumer complaint received 2019-12-02
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: Self Lender Inc (IN)

I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX  XXXX XXXX   XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.
Consumer complaint received 2020-01-13
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. (GA)

on XX/XX/XXXX, I mailed a letter to TransUnion stating that an account is on y credit report in error. 
on the basis that, this company ( XXXX XXXX ) that's reporting a collections never served me, nor did they give me notice they were going place something on my report, as mandated my law according to the FCDPA and CFRA. 

this was not my first letter asking about this account : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account ALWAYS gets verified or updated, but they never explain how. I've sent numerous requests to TransUnion on their practices and how can they verify an account that's not verified with furnisher themselves. 

I asked them to provide proof that the debt was min, proof they own the debt and can legally pursue it from me,, if they were registered in my state, etc. 
My responses was naught on those specific questions. 

I can not get the furnisher to send me proof, but they sent it to TransUnion?? I'm confused. 

XXXX XXXX is shopping around this debt to other collectors instead of responding to my request of validation.
Consumer complaint received 2023-07-03
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$12000.00} FSB XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (TX)

XXXX company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.
Consumer complaint received 2023-02-06
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. (GA)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Inquiry Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX