davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
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. (MI)

These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.
Consumer complaint received 2021-12-18
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. (MI)

These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX My name is XXXX XXXX XXXX am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me at 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES ACT was allowing for consumer protection under the CARES act with creditor offering accomidations. I have on my XXXX XXXX XXXX XXXXXXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX  Please delete/remove them asap.
Consumer complaint received 2020-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Did a debt resolution with my credit union. Paid off my capital one credit card. Capital one cashed it in XX/XX/XXXX and said they cant find it we faxed cashed check recipient to them. They still havent put towards my account now charging me late fees and ruining my credit. Called at least 10 times and they say under investigation and wont help me. They cashed it I cant get any help and dont know what to do.
Consumer complaint received 2021-12-18
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: Experian Information Solutions Inc. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXXXXXX XXXX  Made XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XX/XX/2020 Made with : Experian
Consumer complaint received 2021-12-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

It's extremely upsetting knowing that you have somethimg in which is reporting incorrectly to credit report, especially with it not even with your name. Portfolio Recovery Assosciates are reporting on my credit report with the name " XXXX XXXX '' and it's not my name. This erroneous reporting account has hurt my chances of acquiring credit, to buy a home and acquire a desired job for a secure and sustainable life. This collection is completely invalid.
Consumer complaint received 2022-02-14
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)

After studying my credit report, I identified some difficulties that were incorrectly stated. The Fair Credit Reporting Act has given me the power to dispute and correct inaccurate information on my credit report ; nevertheless, the following are also prohibited by the Act ( FCRA ).
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (TX)

I have reviewed my credit report and I do not recognize nor did I authorize the following Inquiries listed below! 
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-03-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I live in XXXX XXXX MD, I'm a single mom of XXXX. I was laid off in XX/XX/XXXX from a company, that I was employed with for 20+ years. I lost my home I lived in for 6 years with my children, it was my primary residence. We had to give up the family pets. 
My children and I have nowhere else to go but to become XXXX. 

My children and I have been through a lot. I have tried to keep a stable life for them over the years. I have lost that special bond parents have with their children because I had to constantly, keep a roof over their heads. It hasnt been easy but I never given up. I paid {$20000.00} down on a home and the person stole the money and disappeared. Now because of me being laid off I started to have problems with the bank even though I paid my mortgage and my home was sold wrongfully. In trying to obtain gainful employment the social security administration somehow messed up my information causing me to become unemployable. I'm still fighting this issue but I am working since XX/XX/XXXX. I have worked hard to get this house but unfortunately, I lost the battle to Wells Fargo. They know how to lie and create invisible documents.. Before, losing my job I would pay my mortgage twice a month before the mortgage was due. 

I would be very appreciate of the help. I am willing to help anyone I can so please keep me in mind all the time, if someone else goes through this same problem. I am a proud mother and person I would never asked for help but I have no one to turn to solve this problem. I would like help to buy a home free and clear with no bank or mortgage company. Ill appreciate any assistance or amount for this. Thanking you in advance for any help you would be able to help me with. 

Please help. 



Thank you
Consumer complaint received 2022-02-14
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: DISCOVER BANK (NY)

Since XXXX of 2020, I have been disputing a Discover account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, I have not received any response from Discover regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. 

ALL of this is currently incorrect : -Account type missing on XXXX -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on XXXX -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2022-02-14
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. (NC)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-23
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (GA)

I applied for a credit card with Discover Bank and was denied in the pre-approval process. I have been discriminated against and there was an adverse action taken against me. As a consumer, I know that they will gain financially by using my personal information. Also, the corporation will use my application as a valuable instrument to profit as well. I feel that I should benefit from this consumer transaction as well.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (TX)

The PHOENIX FINANCIAL SERVICES has added TWO older collection accounts to my credit profile as a " new '' collection from XXXX, it was recently sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my XXXX XXXX. The original creditor has the date from XXXX or earlier and not the open date that PHOENIX FINANCIAL SERVICES has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit XXXX and future, is deeply concerning. Simply put, This is reaged debt and needs to be immediately removed. 

The Same actions have been taken by XXXX XXXX SYSTEMS in reaging debt they purchased in XXXX that belongs to XXXX or earlier I have previously complained to the CRA 's but they are parroting the reporters language and not performing a maximum possible accuracy.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received XXXX 's response that Bank Of America did not remove it. They have it listed as though the two mortgages were in my name and my brother 's. This is false! Now they are adding me on a mortgage that I never signed for. I was not even in the country when this took place, nor did my brother have POA. The two mortgages are under XXXX XXXX XXXX. I have nothing to do with them.
Consumer complaint received 2016-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC (NJ)

I was involved in a car accident in XXXX XXXX. I ran into a NJ XXXX. I was not a resident of NJ. I attempted to get NJ driver 's license years later and they informed me of surcharges that I owe ( in excess of XXXX ). I filed for bankruptcy and my debts were discharged in XXXX XXXX. I was told that my debt was not discharged as it was a court judgment. I was directed to contact a third party collection agency. I was told that a {$7000.00} judgment was now XXXX, I paid a down payment of XXXX and agreed to pay XXXX p/m. I am on social security XXXX and I have a representative payee. She gives me her card to deduct the rent each month. Transworld Systems Inc is the name of the third party collection agency. They would not allow any other method of payment than direct deposit from your bank account. I gave them my Personal Reps ' debit card information. They attempted to collect from her account. The collection was granted 2 times and never since. ( they have been declined for 12 months and never said a word to me ). Transworld Systems Inc notified XXXX that I was in default and my driver 's license as well as my registration privileges are now suspended ; furthermore I learned that my social security benefits are exempt from collection methods.The company fails to report to XXXX that they are error and in violation of FDCA. My license and registration remain suspended.To this date I have not received XXXX document from them except the notices that they send each month for the past 12 months telling me that they are receiving the funds and to direct me to make sure the funds are available. 
The last notice I received was XXXX XXXX.
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NC)

XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (NC)

I have been actively trying to repair my credit for a while now. In the midst of me reviewing my report, I noticed that there were a few incorrect items on my report that is negatively affecting my score. In attempt to repair the errors I have sent out multiple dispute letters, without any luck. Most recently, I filed a XXXX letter, sent XX/XX/2021, and have yet to receive a response. It is now XX/XX/XXXX and I have yet to get a response, nor have I seen any changes to my report.
Consumer complaint received 2022-02-14
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. (PA)

I have filed out the identity theft report with XXXX following directions to have credit bureaus block the fraudulent information thats being reported on my credit report while proper investigation is being done.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (MO)

Reccently, I did an investigation on credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalided, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX of 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 Thank you very much for your time.
Consumer complaint received 2021-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (TX)

I never applied for affirm in my name and never had a item under this company I ask them to close the account and remove it from my credit report and I would take legal actions against them they refuse to remove it and told me it was accurate to be reported on my credit report this loan is showing a {$0.00} balance on my credit report but I want it remove off my file this is a fraudulent loan I never agreed to borrow money