davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Credit report data correction / accuracy issue A few years back we were notified of a collection account by a collection agency, that was the first time we were made aware of the item. The amount was meagerly small ( less than {$80.00} ), the agency acknowledged that due to communications issues if we paid in full at the time, the item would NEVER even show up on credit reports, we agreed and paid.

Fast forward a few years, while in the process of buying our first home suddenly this item showed up on credit reports from 2 agencies, XXXX  and Equifax. I made some calls with the collection Agency ( XXXX : XXXX XXXX XXXX- aka, XXXX XXXX XXXX ) and created disputes with both the credit reporting agencies. XXXX, deleted the item right away but Equifax would not resolve it and I had many back and forth between Equifax and XXXX. Equifax insisted that XXXX inform them of deleting the item from the report. XXXX told me multiple times on my calls that they are ok with deleting. Finally I got a written letter from XXXX, confirming the same. However, Equifax still insists that they need XXXX to tell them to delete the line item. Going by what XXXX has told me ( verbally and in writing ), they have informed Equifax. 

I created another dispute with Equifax, this time provided the letter from XXXX, had a few phone calls with Equifax. Instead of being helpful the Reps disregarded any of my concern, being rude and insisted, XXXX inform them of the deletion. I am stuck between the two companies, for several months now. These companies wield extreme influence over people 's financial life, advancement/opportunities ( or lack thereof ) and it is never easy to deal with them. You can not live with them, nor can you live without them. 

Customer 's personal data is Equifax 's bread and butter and I was amazed at the way they handle the data, customer service and the accuracy of customers data. Did I mention how bad their customer service was? 

All I want is Equifax to correct my data and delete the collection inquiry as per direction from the collection agency. 

Please see attached, letter from XXXX. 

Thank you and I appreciate your help!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my new complaint that I am a victim of identity theft and I submit to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are REMOVED from other bureaus and I have doubts in their accuracy and the reported payment history on these items are a mystery to me. Here is the list of items that I specified for REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-15
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)

XXXX XXXX is reporting erroneous items on my credit report. The items do not belong to me. I have requested for XXXX XXXX to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to XXXX XXXX under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and XXXX XXXX refuses to comply with Section 609 FCRA. XXXX XXXX DOES continue to verify the information as accurate without complying with Section 609 FCRA.

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. XXXX XXXX is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. XXXX XXXX is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.
Consumer complaint received 2021-01-15
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)

I have made multiple complaints against XXXX because they are just not right. It is reflected in the attached letter from XXXX ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, XXXX didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but XXXX simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and XXXX protects someone who has nothing to do with the card and stealing.????????? The XXXX debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.
Consumer complaint received 2021-01-15
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: AMERICAN EXPRESS COMPANY (TX)

American Express is reporting erroneous items on my credit report. The items do not belong to me. I have requested for American Express to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to American Express under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and American Express refuses to comply with Section 609 FCRA. American Express DOES continue to verify the information as accurate without complying with Section 609 FCRA.

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. American Express is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. American Express is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.
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. (PA)

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 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was never late on payments, I was 100 % on-time. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Thank you for your help
Consumer complaint received 2024-03-14
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I called and filed a dispute on numerous occasions with XXXX, Equifax and XXXX to have inquiries that I did not approved removed, and accounts that are reporting inaccurate on my credit profile and they have refused to delete these items. 

XXXX Last dispute was done on XX/XX/2020, amount is said to be {$420.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of Last activity, last report, and date opened was all reporting inaccurate which is a violation of the Fair Credit Reporting Act. They failed to investigate and remove the inaccuracies. 

XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$1200.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of last activity, last payment, and the date of the date opened is listed inaccurately, Also the monthly payment, credit limit, and terms are missing from the report. I ask them to delete it as they are reporting inaccurate information and they failed to do so. 

XXXX XXXX XXXX Last dispute was done on XX/XX/2020, amount is said to be {$840.00} dollars, he actions taken was a dispute letter was sent to the Bureaus stating that the monthly payment, terms, credit limit, past due, and the date of last payment was all missing on this account. Also, the fact that medical bills should not be reporting as it is viloation of my privacy. I have disputed this account multiple times and they have failed to remove it from my report. 

Inquires that need to be removed as I did not give any permission. 

EqifaxXXXX XXXX XXXXl ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ) XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ), XXXX XXXX XX/XX/2020 XXXX, XXXX XXXX XX/XX/2020 XXXX XXXX XXXX ( XX/XX/2020 ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXX/XX/2020 and XX/XX/2020 )
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I called and filed a dispute on numerous occasions with XXXX, XXXX and Experian to have inquiries that I did not approved removed, and accounts that are reporting inaccurate on my credit profile and they have refused to delete these items. 

XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$420.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of Last activity, last report, and date opened was all reporting inaccurate which is a violation of the Fair Credit Reporting Act. They failed to investigate and remove the inaccuracies. 

XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$1200.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of last activity, last payment, and the date of the date opened is listed inaccurately, Also the monthly payment, credit limit, and terms are missing from the report. I ask them to delete it as they are reporting inaccurate information and they failed to do so. 

XXXX XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$840.00} dollars, he actions taken was a dispute letter was sent to the Bureaus stating that the monthly payment, terms, credit limit, past due, and the date of last payment was all missing on this account. Also, the fact that medical bills should not be reporting as it is viloation of my privacy. I have disputed this account multiple times and they have failed to remove it from my report. 

Inquires that need to be removed as I did not give any permission. 

XXXX XXXX XXXXl ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX  XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ) and XXXXl ( XX/XX/2020 ) Experian- US SM BUS ADMIN ODA- ( XX/XX/2020 and XX/XX/2020 )
Consumer complaint received 2021-01-15
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. (TX)

On XX/XX/2021 I received an update alert on my Experian report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XXXX XXXX, 2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (GA)

I have asked Jefferson Capital Systems to stop contacting me via phone several times. I requested to only be contacted by mail however they repeatedly call. They over talk me and attempt to belittle me. This is not an effective method of trying to get someone to pay a debt. This is illegal and Im getting extremely tired of it.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I XXXX XXXX have disputed phone numbers on my credit report with XXXX. These are the cellular numbers I'm disputing : XXXX these numbers are from my phone being compromised on several occasions. Everytime I change the number they would compromise that number. My new number is XXXX. 
And what is up with these in the yellow school buses, do they work in the different stores around town, they have no name tags.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmuehle customer service is unable to resolve problems that arise for their consumers. 
Over the last year, I have had to call multiple times for issues with tax forms, escrow accounts, and taxes. The agent who answers is usually unable to help. When you ask for, " manager, '' they will transfer you to another, " customer service specialist, '' which means another agent usually just sitting next to the first person I spoke to. Not actually someone with answers or with authority to make changes or review acocunts. My tax form was inaccurate. I spent upwards of 20 hours on the phone with them and it was never resolved. 
My tax bill for XXXX was not paid from the escrow. I have called many times and I was told it was paid [ see the transaction record below that does not show XXXX taxes paid ). When I ask them to look for it in the transactions, I have been hung up on. I also was told, " we are sending the payment, '' and then hung up on. During these interactions, I am calm and kind but I still hung up on ( even after 4 transfers and hours on the phone ). On XX/XX/2020 it was recommended to me to email with tax bill which I did [ XXXX ]. I have emailed 5 times without response including messages to these secure messages online without resolution. I also found an email online for XXXX which I sent. 
It has been over a month without a response. 
You can not communicate directly with the escrow or tax departments. Supposedly they can not reach them except for faxes. Regarding my tax form, I was told my case was expedited and that someone from the legal department would call me in 24-48 hours. I did not get any communication. 
Their chat function is rarely available. 
The only thing I can do is call, wait on hold, explain the problem either to be transferred to another, " customer service agent, '' who will later transfer me again to another " customer service agent, '' or hang up on me. 
I don't know their legal obligations to their customer but their customer service practices are by far the worst I've experienced at any company. Ever. They outright lie. And they don't care, because who am I to them? I am a voice on the phone who is easily dealt with by hanging up when they don't have the answers. It is clear that they do not value helping their customers quickly and don't assist them to painlessly resolve problems that arise.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (UT)

We paid the full amount, they tacked on other fees. However, I was unaware that I should not have paid off a debt that is not mine. 

This is a fraudulent account I didnt open it and I have a policereportto prove it. The credit bureaus wontremove it.
Consumer complaint received 2021-01-15
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. (GA)

Equifax, XXXX  and XXXX are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to XXXX XXXX.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature and proof of validated debt claims with proof that gold and or silver had been extended and or lent as per United States of America Constitution Article I Section X for the Fair Credit Reporting Act does not limit constitutional provisions. Ignorance of the law is no excuse from the law. 
Collection/Charge-off accounts need to be removed immediately because there are late payments after the account was close. 
Collection is closed ended account have late payments. This account iis in collection meaning that there shouldn't be reporting open, no limit, no past due and no payment status. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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: Experian Information Solutions Inc. (KS)

I have an account reporting on my credit from IC systems. The original creditor is sprint, and it says the debt is from XXXX. I haven't had XXXX since XXXX, and I don't believe I owed them anything. Either way, that's past the statute of limitation, and should not be showing on my credit report.
Consumer complaint received 2022-04-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (VA)

The XXXX XXXX XXXX was repossessed XX/XX/XXXX. It was auctioned off the following month, XX/XX/XXXX. American Honda Finance has violated 38 CFR 36.4283. American Honda Finance sends me bills and debt collection statements monthly stating that I owe {$7600.00}. I demand the Repossession be removed from my credit report immediately and I request to be compensated for the violation. Thank you. 

Dates of attempts to contact American Honda Finance : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2017-03-28
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Experian Information Solutions Inc. (NY)

EXPERIAN is still reporting a CREDIT CARD/LINE FROM XXXX 
Account Number XXXX Account Type Unknown Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated XX/XX/XXXX Balance
Consumer complaint received 2021-01-16
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: EQUIFAX, INC. (TX)

this is my 3rd attempt disputing this inaccurate informations off of my credit from the the CRAs ( XXXX EQUIFAX, AND XXXX ). my last letter was on XX/XX/2020 to all 3 and nothing has been deleted and i will consult an attorney to complete the process.i have attached copies of my letters below and thank you very much.