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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on , I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-25
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. (NY)

I am a victim of identity theft, Equifax responded that they verified fraudulent accounts that do not belong to me that I had nothing to do with. I would like to know how was the fraudulent items verified and when
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (CA)

First complaint- I applied for a loan online at https : //www.checkngo.com/apply-now/ on XX/XX/XXXX. I got an email to take my verification documents into the branch on XXXX and XXXX in XXXX Ca. I did so on XX/XX/XXXX. When I get into the branch the teller is asking me application questions all over again. I told her that I had already completed the application online. She stated she needed to ask me the questions again. So she looks at all my documents and then I get a notification from my credit monitoring service that she ran my credit again. I asked her why she did that when my credit was already run on XX/XX/XXXX when I applied online, she stated she had to. I told her I did not give her permission to run it again. 
Second complaint- when the teller entered my banking information for the auto payments she entered the wrong checking account and not the account I specifically told her to take payments from. The first payment came out of an account I did not give them permission to pull from and it overdrew the account, for which I was charged a {$29.00} fee for. 

Third complaint- The account has never been paid 30 days late. But in XXXX XXXX I get a notification that Check N Go/AXCESS FINANCIAL is reporting the account as 30 days late as of XXXX. I called the local branch and spoke with XXXX the manager and was told to contact corporate at XXXX. Corporate had no idea what I was speaking of but took a message and said someone would get back to me. I never heard from them again. Then XX/XX/XXXX, I get another notification saying the account was reported as a charged-off account. I called and spoke to the local branch again and was told they call the district manager about the reporting and get back to me. No call back from anyone. So I disputed the account and the outcome was the status was changed to an open account but they did not correct the payment history. So I disputed it again ; results pending. 

Because of the incorrect reporting, I was not able to apply for a lower interest loan to pay off this unconscionably high-interest loan with Check N Go/AXCESS FINANCIAL, My credit score decreased because of it and they are violating my rights as a consumer in many ways as read in this complaint. They have falsified the notes on my account saying they have called me every day this month and sometimes twice a day when they have only called me twice in the last 30 days. Both times they spoke to me about late payments never about my complaint about their incorrect reporting.
Consumer complaint received 2023-01-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MN)

During covid we were put on the covid relief plan. My wife knew nothing about this and I was never told it would have to be paid off at the end of the mortgage. I still made the payments. I filed 2 complaints with Wells Fargo and they denied both. We somehow had to owe an extra XXXX that got " put into a 2nd mortgage loan '' that nobody told us about until we were selling the house we find out we owe a lot of extra money and we almost lost everything. There were no phone calls about this nobody called me or told me. My wife knew nothing. Neither of us signed anything. They said it was all done online in my account. That's putting a lot of trust in something online with no signatures or proof
Consumer complaint received 2020-03-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address XXXX XXXX XXXX, XXXX MI XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1997 My only employer is XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My husband and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$76.00}
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a new complaint. It stems from a prior complaint, number XXXX-XXXX. 

Its against capital one. I originally had a grievance against them. The case has been closed HOWEVER in the the response letter I have received thru CFPB Cap1 has taken the overbearing liberty of reporting my account status as DISPUTED to the bureaus. This wasnt done with my permission. I will attach the letter below. This will prejudice me.

I request Cap1 immediately cease this unauthorized action as this will further damage my FICO score which is why I initiated a dispute in the first place. Further they did not investigate properly. Again I request they do not touch my credit file by initiating a fake dispute with the bureaus. 

I have called the number listed on their response letter XXXX and the automated system just tells me theyre too busy to take my call and hangs up on me.
Consumer complaint received 2020-03-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have sent 3 letters to Equifax requesting an investigation of inaccuracies that appear on my report. On XX/XX/XXXX they sent me a reply stating that they verified the inaccurate accounts but when I disputed again, they sent a letter on XX/XX/XXXX stating that I do not have a credit file. They already have my credit file, so this is also  inaccurate ( see attached ). 

Additionally, I attach both my drivers license and social security card to every letter I send them - preventing/satisfying any need to verify me to search for a credit file they falsely say does not exist. 

Now that their 30 days from the date of my XX/XX/XXXX letter is almost up, they reply saying I have no credit file? They can not refuse to process my dispute with these tactics.

They need to process my dispute by XX/XX/XXXX and throw out their XX/XX/XXXX notice that I do not have a credit file as that is false. I have attached the credit file they sent for proof. If this is not resolved by XX/XX/XXXX they need to delete the negative items I have been disputing since this XX/XX/2020
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Accounts I did not authorize that show closed but not XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-30
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX, 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 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a dispute to XXXX, Transunion and XXXX for an account that I was not familiar with. The account name is XXXX XXXX XXXX XXXX, and the amount is {$730.00}. Transunion completed their investigation and removed the account. XXXX and XXXX completed their investigation and advised the information was accurate. I spoke with XXXX over the phone and the representative stated that their investigation was concluded by the creditor XXXX XXXX XXXX XXXX XXXX ) who actually sent the account to them to place on my credit report, not by XXXX or a third party. I spoke to the creditor, and they could not give me any information regarding the account, other than it was sent to them by another company, and they would only accept payment. This seems to be a conflict of interest. Transunion was not able to find evidence that I had an account with XXXX XXXX XXXX. I also disputed an account with XXXX XXXX for {$200.00} that was on my credit report as a charge off, but it was paid with the original company. I did not have any business with XXXX XXXX. All three bureaus completed their investigation process and XXXX removed this account as it was not accurate. The remaining two bureaus updated the account as paid. None of the three bureaus have the same information. Neither of the above accounts should be on my credit report. I have attached the copy of the two disputes that were updated as mentioned.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC (LA)

I was reviewing my credit file and noticed on collection account from Receivable Recovery Service dated XX/XX/XXXX. I have attempted to contact the collection agency via certified mail dated XX/XX/XXXX but have not received a response.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my 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
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NC)

On XX/XX/XXXX I was at the mall with my kids. My son was getting his haircut. While he was doing that my daughter and I went to look around at another store. I had my phone in the pocket of my jacket. We were probably in the store about XXXX minutes when someone tapped me on the shoulder and said here you lost your phone. I said Thankyou and left to get my son and go back to the car. As Im about to cash app the barber from in my car before I pull out I see that all of my money was gone and sent to the person who gave me my phone back. I immediately contacted support from cash app, requested the money be sent back from the person and after they denied it I reported and blocked them. So first I filed a dispute through the app and then I immediately called them and filed directly with a person. After that I called my bank as well since my cash app is linked to my bank account. They cancelled my cards immediately and made sure my bank was not connected with cash app anymore. I did everything I was supposed to do but yet got denied. I was told they were gon na send me the documents of why I got denied but never did. The people on the phone dont know anything and just say the same things back over and over again about how they cant do anything about it and do I have any other questions about anything else. I have used cash app for years now and never had any problems but as soon as something did happen they just denied me.
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)

hello back on XX/XX/23 a letter was sent to transunion disputing some information reporting to my credit that is not accurate. I was advised that a payment was late for this creditor and have not been advised the outcome of my dispute