davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Re : 30 days late removal I contacted all credit bureaus with regards of removing an error thats on my credit report from Here is the email stating they informed you guys to remove the 30 days late even though the account is closed and says paid in full, it is showing 30 days in my report and it is harming me. Please I have exhausted every effort with Experian and XXXX, and XXXX. They refuse to remove the 30 days late because they are saying the account is closed, but it still shows derogatory info that is not correct. Please remove the 30 days late from XXXX star XXXX XXXX mortgage. XXXX. 


XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you for reaching out. I apologize for the frustration this has caused. 

Once XXXX XXXX submits the credit correction request, it is up to the credit bureau to complete the request. You should be receiving updates from the credit bureau, but you may also contact them directly for an update. 

Please let me know if you have any other questions. 

Respectfully,
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
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. (NV)

On XX/XX/2020, I contacted the three major bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letters from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ) Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.
Consumer complaint received 2021-01-14
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. (NV)

On XX/XX/2020, I contacted the three major bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letters from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ) Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.
Consumer complaint received 2020-03-10
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: ID Analytics, Inc. (OH)

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX  XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Equifax has failed to send me my credit report after I had an identity theft issue. I have requested a copy of my report multiple times over the last 6 months and Equifax has never responded.
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (NC)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has caused my credit score to drop by XXXX points. On XX/XX/2022, I paid my XXXX balance on my XXXX XXXX credit card. 

Today is XX/XX/2022, Equifax has negligently continued to post on my credit report that I owe XXXX. I never paid the full amount. 

Equifax needs to be investigated because the company is blatantly lying about my payments to XXXX XXXX. 
My credit score was XXXX, Equifax caused XXXX points to be deducted. 

I need Equifax to restore all my points & apologize for negligently reporting I owe a XXXX Balance on XXXX XXXX credit card.
Consumer complaint received 2022-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (GA)

Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer, 15 USC 1602 ( h ), and a creditor, 15 USC 1602 ( f ), I issued my credit card online via OneMain Financial Group, LLC, on XXXX, XXXXXXXX XXXX, a consumer credit transaction was completed and OneMain Financial Group, LLC denied me credit. The denial discriminates against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
Consumer complaint received 2020-03-10
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. (HI)

I have filed a dispute with the company and the credit bureaus several times since XX/XX/2017 and the negative report is still showing on my credit report. I have never been late with this card and it still shows 30 days late on all my credit reports.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (FL)

I'm having problems with getting an answer from the bank ( TD Bank ) I do business with. 

It seems like I'm just getting a run around, and their main headquarters nor the branch are providing answers to the issue. Except denying and honoring the dollars taking from ( 2 ) of my accounts. 

On XX/XX/2023 someone broke into my car and stole my briefcase which had my computer XXXX XXXX XXXX  bag along with my wallet with credit cards & debit cards. 

Within a short time later, I reported to the XXXX XXXX police department and all the information was documented. 

All my credit cards including ( TD Bank ) debit cards were stolen and used for withdrawals via ( TD ) ATM machines. 

All the credit card companies involved declined the fraudulent activities however, ( TD Bank ) is not acknowledging the withdrawals made on ( 2 ) of my bank accounts. 

Who other than the bank can I reach out to help me recover the amount of money ( {$1900.00} ) I lost? 

If not your agency I would appreciate your help, if you can provide some direction on who I can contact to recover my money. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
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)

After carefully reviewing my credit report, I noticed a few inquiries and account that I have never authorized. I have heard that sometimes bureaus making mistakes or sometimes its about Identity theft and somebody used my personal information. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires and account. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries and account be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2020-03-10
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. (HI)

I have filed a dispute with the company and the credit bureaus several times since XX/XX/2017 and the negative report is still showing on my credit report. I have never been late with this card and it still shows 30 days late on all my credit reports.
Consumer complaint received 2021-01-14
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. (TX)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-21
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: JPMORGAN CHASE & CO. (IL)

The last time I reached out to Chase in XX/XX/XXXX about my dispute which they only refunded 1/4 of my money because the company billed me four different times and they were confused and did not approve the other three transactions even though it was for the same company and service. The company is XXXX XXXX XXXX XXXX and they could not provide the service and they closed my account two months after I was waiting for service. The company XXXX XXXX said the bank I did the charge back with is still holding my money and it can take two years to get it back, but I think they are lying. Chase representative told me that Visa company closed my case out this XXXX and theres nothing they can do now it is handled by Visa even though Chase bank should have honored my dispute correctly Im the first place. This has caused me an enormous amount of stress and heartache and I have my daughter in the XXXX  and kids to take care of. I have been going through this since last year XXXX in XXXX. I really want to leave Chase after this.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

I can't access my Experian credit report/score since XX/XX/2020,. I called Experian multiple times and they have not resolved this issue. Every time I call, they transfer me between the dispute department and the membership department. This has caused me and my family a great pain because we can't get our mortgage approved because of this. I just called Experian this morning to complain to them about this and the representative that I was talking to, hang up the phone on me. I desperately need this issue resolved because it's preventing me from buying a house for my family. Please help me. This is not fair.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Google Compare Credit Cards Inc. (AZ)

On XX/XX/2020 I was contacted by a person impersonating my pastor requesting {$300.00} in gift cards for the family of a member of our congregation in XXXX  XXXX  ( we actually had a member of our congregation in XXXX on that date ). I requested additional information and was told that Google Play cards would work as a source of funds and that the church would repay me for my expense. 
Since I was working at a client site, I had to travel to a XXXX XXXX  to obtain the gift cards. Once I purchased the cards, I contacted my pastor to get the cards and information to him. I was informed that I was a victim of a scam. 
I contacted the XXXX Police Department and filed a complaint ( case XXXX ) and contacted Google to obtain a refund on the cards - they verified that the cards have never been activated. Google refused to refund my money stating some policy that I had never seen nor agreed to. I contacted the XXXX XXXX   and got the same treatment. 
I am requesting assistance in obtaining a refund as this amounts to simple theft since Google has my money and has not been willing to return my money even though I have the cards and can prove they have never been activated.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
EQUIFAX MTG XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX
Consumer complaint received 2021-03-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax Investigation has taken longer than 30 Days No Results for Dispute date XX/XX/2021 Incorrect Reporting Duplicated Accts Affecting Debt utilization and derogatory reporting Called XX/XX/2021 Wants to reinvestigate account they failed to verify and Validate For Child Support enforcement that instead of removing duplicated amount
Consumer complaint received 2023-02-07
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. (LA)

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Comply with the Federal Law, Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed as soon as possible.
Consumer complaint received 2021-01-14
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. (FL)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.