davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

I have accounts such as XXXX, inquires from banks that i did not authorize etc. Hope to hear from somebody soon so that we can get this under control and figured out. Thanks in advance.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I check my credit report and saw inaccurate information on there. it hurting me from getting a house for me and my family. please remove this information immediately. rc/resurgent recivable account number XXXX opened XX/XX/year> past due {$460.00} but reporting on XXXX balance update XX/XX/year>. how is this possible if the account was opening XXXX. please fix
Consumer complaint received 2020-04-07
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)

I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$310.00} XXXX  XXXX {$680.00} XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX  XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$960.00} XXXX  XXXX {$74000.00} XXXX XXXX {$700.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$3000.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Why the 3 credit bureaus re refusing my dispute please delete all the negtive account lists below ; 1. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
4. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
5. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
9. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 

10. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-03-01
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. (HI)

XXXX and Equifax are reporting factual errors on my credit report from Company XXXXXXXX  account # XXXX XXXX and Equifax are reporting inaccurate High Credit, Inaccurate Credit Limit, Inaccurate Date Last Active, and inaccurate Date of Last Payment, these errors and inaccuracies are a direct violation of the FCRA so this account should be deleted from my credit report immediately and permanently. I will attach my Valid Hawaii State Drivers License, my Social Security Card, and a Copy of my Utility Bill for Proof of Identity and Residency.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022, My last attempt to resolve this issue I requested Experian please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile.
Consumer complaint received 2016-09-08
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AL)

In light of the Wells Fargo situation, I was reminded of something that keeps coming up on my credit report. And also, when I filed bankruptcy. I had a XXXX mortgage with them. And did a line of credit, credit card also a few years later. But, it came to my attention that I had a XXXX mortgage taken out against my house. One that I never authorized or consented to. I did my mortgage in XX/XX/XXXX, and line of credit in XX/XX/XXXX. But never the XXXX. At that time I was residing at XXXX XXXX XXXX XXXX, Va XXXX. Therefore my mailing address is not the same as the property, as I have moved out of state. ***** My name is XXXX XXXX XXXX
Consumer complaint received 2022-03-01
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. (HI)

Experian and XXXX are reporting factual errors on my credit report from Company XXXX account # XXXX Experian and XXXX are reporting inaccurate High Credit, Inaccurate Credit Limit, Inaccurate Date Last Active, and inaccurate Date of Last Payment, these errors and inaccuracies are a direct violation of the FCRA so this account should be deleted from my credit report immediately and permanently. I will attach my Valid Hawaii State Drivers License, my Social Security Card, and a Copy of my Utility Bill for Proof of Identity and Residency.
Consumer complaint received 2020-08-03
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

Please contact COLUMBIA BANK about my checks that were not only NOT CREDITED, but also, NOT APPLIED TO MY ACCOUNT payable to them in the first place. 

In addition, since I believe that these UNQUESTIONABLY and UNCONSCIOUS mishandling in regard to me and my account which has brought a huge cost on my own credit ratings, I wish to have this bank audited. 

This is NOT an isolated incident. If they have done this to me, they are doing this to other clients that have accounts with them. If this series of events dictates that you launch an investigation and lawsuit against COLUMBIA BANK, I will be willing to support you in such and provide any and all verification of my accounts and communications with COLUMBIA BANK to assist you in your investigation, should you want to ask me to provide them.. 
Sincerely, XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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.

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 2024-03-23
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. (PA)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance {$26000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-06
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party 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 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I want to start off first with XXXX. I have sent my equipment back and there is no reason why I should be in collections. The second is XXXX XXXX XXXX they sent a letter claiming the debt was verified but that is hearsay. I return the equipment both these company are trying to pull and fast one and get money out of me
Consumer complaint received 2022-03-01
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)

After getting calls from collection companies and receiving mail for incorrect bank accounts that were open in my name and seeing incorrect addresses shown on my credit report is when I realized that someone has access to my personal information. I had a fraudulent bank account with XXXX XXXX that was opened in my name. I immediately contacted the bank to have it immediately closed. I also had fraudulent medical accounts also opened in my name which is also incorrect, I have had medical coverage for the past 11 years through my current employer and all my medical payments are up to date with no pending medical charges. My name is being reported incorrectly with a middle initial which is also fraud. Someone is ruining my credit by adding addresses that I never lived at, incorrectly obtaining medical assistance, incorrectly obtaining cell phone lines, incorrectly opening bank accounts, incorrectly processing credit which is fraudulent causing inquiries. I have no knowledge of what or who this could be.
Consumer complaint received 2022-03-01
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: National Credit Adjusters, LLC (TX)

I have disputed thru XXXX and XXXX that the accounts where not mine and requested proof of the debt. The addresses that the debtor has have never been my address. They have never been able to send me anything that is mine or proof that the debt is mine.
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 61XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-07
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate 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 below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-01
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. (NY)

I, XXXX XXXX XXXX XXXX , am a victim of identity theft. There are multiple fraudulent accounts on my credit prole from various companies like XXXX XXXX, XXXX XXXX XXXX XXXX XXXXY and egregious collection accounts from XXXX XXXX and XXXX & XXXX. I demand that all negative/adverse remarks are immediately and permanently deleted.
Consumer complaint received 2024-01-18
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I filed for an over XXXX homestead exemption last XXXX when I turned XXXX so I was expecting a decrease in the taxes and mortgage payment due to this. Mid XXXX I still did not receive an analysis. I have called everyday since then with a different excuse from that department. I received an email that stated my new payment, effect XX/XX/XXXX was XXXX yet the website to make the payment still states XXXX An over of XXXX was to be received from Chase by Last Friday still nothing.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

My mortgage was transferred to Mr Copper/XXXX at the end of XX/XX/XXXX beginning of XX/XX/XXXX. I got the welcome packet beginning of XXXX but my XX/XX/XXXX statement never came.I called and asked why and they said it was coming in XXXX because my loan was transferred. XXXX came and they lumped XXXX and XXXX payment into one statement. That statement didnt come until XX/XX/XXXX. I currently dont have XXXX statement? I called again and was told it has not even been sent out. The mortgage company is deliberately not sending a statement it sending it out late?? My law I have no fees because my mortgage was just transferred but they are not and have not tried to tell me why in XX/XX/XXXX my statement has not been generated or sent out?? Its fraud and a way to try and eventually get late fees or make me pay online. I pay my check the first 3 days of each month and have never had a problem with any other lender. Im at a point where if XXXX Statement is late Im hiring a lawyer!!!
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

My Ex received a letter from CCSXXXXXXXX  ( Credit Collection Services ) about a debt owed to XXXX XXXX My ex lives on an address that i've never lived on, the letter had her address but MY name on it. We both have NEVER used XXXX XXXX. 

Talking to CCS they seemed sketchy and not providing much data. I've informed them that I'm not paying the debt and would like a debt verification letter with their proof that it's my debt. 
They couldn't give me any information about the debt and informed me i should call XXXX, they tried to patch me through to a number that is not registered with XXXX I called XXXX customer care and informed them about this. They informed both me and my ex that no money is owed and that there was no history of this either. 
I called XXXX fraud department and they've concluded the same and told me it was most likely a scam.