davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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. (GA)

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 611 ( 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 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: Experian Information Solutions Inc. (GA)

I recently sent some letters almost two months ago to the credit bureaus and they are disregarding a regular consumer dispute. I have been sending letters before this and i still have not received no response. 

Today is 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. 

Inquiries, accounts from credit cards such as XXXX  XXXX, XXXX ; which im not even sure what or who that is etc have been added to my profile. Again, please help me get this matter under control. 

.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Personal Infomation address : XXXX XXXX XXXX XXXX XXXX Alabama XXXX. 
XXXX : XX/XX/1992 Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX all closed accounts on my credit report and late payments on my credit report. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
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. (NJ)

These accounts are fraudulent and need to be removed from my credit report immediately. I am a victim of identity theft and did not make these charges whatsoever. I also included the FTC affidavits. The alleged accounts are listed in the affidavit. Please remove this accounts as soon as possible as they are causing me substantial harm as a consumer. This is not a third party, I XXXX XXXX am making this complaint.
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: EQUIFAX, INC. (GA)

I recently sent some letters almost two months ago to the credit bureaus and they are disregarding a regular consumer dispute. I have been sending letters before this and i still have not received no response. 

Today is 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. 

Inquiries, accounts from credit cards such as XXXX  XXXX, XXXX ; which im not even sure what or who that is etc have been added to my profile. Again, please help me get this matter under control. 

.
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MD)

after requesting consumer report and analyzing I noticed an illegally furnished account on my XXXX XXXX consumer report in which CREDIT MANAGEMENT , LP a debt collector is in violation of 12 CFR Part 1006.18 by falsely misrepresenting themselves as the original creditor and attempting to collect an alleged debt I am now seeking redress for violations as per 15 U.S. Code 1681n {$1000.00} per violation. This inaccurate report has caused damage to me and my family. I the consumer have been denied for extension of credit do to the negative affect of these inaccuracies on my report I have lost family time and time from work trying to fix this issue i the consumer has had to make calls during times inconvenient to me please help me I've also been hung up on several times in my attempts to gain remedy. if this issue is not resolved i will be taking additional steps by submitting complaints with The XXXX XXXX XXXX and the Attorney General in attempt to settle this matter. 



XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX XXXX any written consent to report anything on my consumer report. No consent is identity theft.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2022, XXXX XXXXXXXX XXXX submitted an inquiry for my credit history without my consent. The enclosed are letters from XXXX verifying PER MY REQUEST applications in XXXX for a XXXX credit card were no longer being reviewed. The reason I requested to stop any further review was due to mishandling of the applications. On XX/XX/2022 I filed a complaint against XXXX regarding the mishandled applications. I am shocked and appalled that XXXX has again mishandled applications in XXXX for a credit card with a XX/XX/2022 inquiry that was at no time authorized.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

We started this refinance process on XX/XX/XXXX. After Cardinal Financial let the first rate lock XXXX XXXX 's rate lock ) expire, we were told that there was a problem with the title but we were given no other details until XX/XX/XXXX. On XX/XX/XXXX we were told there was an owelty lien on the title and that they needed documentation that it had been satisfied. That is the only explanation we've ever been given. On XX/XX/XXXX I provided the Recorded General Warranty of Deed and the Satisfaction of the Deed of Trust, both proving that the title was free and clear and the lien had been satisfied in 2015. No one ever acknowledged the reciept of this proof, nor did anyone account for this documentation. 

Then they let XXXX 's rate lock expire. 

On XX/XX/XXXX, after not hearing from anyone for nearly a month, I called my title company, Heritage Title Co, and they informed me that not only has NO ONE TRIED TO CONTACT THEM but they also reviewed the title and FOUND NOTHING WRONG WITH THE TITLE OR THE WAY IT HAS BEEN RECORDED. The signed General Warranty Deed I provided over a month prior has a stamp on it proving that it was recorded properly in 2015. 

This is after receiving an email from XXXX XXXX from XX/XX/XXXX saying that they would follow up with Heritage Title to fix this issue.
Consumer complaint received 2022-03-09
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. (WV)

In accordance with the fair credit reporting act Accounts ( XXXX XXXX XXXX. original account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and 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 1681 section 604 A. Section 2 it also states a consumer reporting agency. can not furnish an account without my written instructions
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: Ability Recovery Services, LLC (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I requested for derogatory accounts to be verified on first round and validated second round and neither action was taken. they failed to fully validate the accounts. 
I requested method of verification and copies of full and signed contracts and they did not produce either items.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

On XX/XX/2022, XXXX XXXX XXXX submitted an inquiry for my credit history without my consent. The enclosed are letters from XXXX verifying PER MY REQUEST applications in XXXX for a XXXX credit card were no longer being reviewed. The reason I requested to stop any further review was due to mishandling of the applications. On XX/XX/2022 I filed a complaint against XXXX regarding the mishandled applications. I am shocked and appalled that XXXX has again mishandled applications in XXXX for a credit card with a XX/XX/2022 inquiry that was at no time authorized.
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as 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 2022-02-24
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. (NC)

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
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. (TX)

Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

I have been disputing XXXX XXXX XXXX XXXX XXXX  inaccuracies on my credit report for the last year as XX/XX/XXXX XXXX and XXXX XXXX no longer service Student loans. 

XXXX XXXX XXXX XXXX XXXX has been reporting as a Duplicate account to XXXX Both accounts have the same account OPEN date XXXX XXXX, XXXX. 

XXXX is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from XXXX XXXX XXXX  thats reporting {$64000.00} This account is not showing Disputed on my credit profile. 
This account is showing OPEN on Equifax and Closed on XXXX This account is showing Transferred
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 — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury
Consumer complaint received 2022-02-28
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: Convergent Resources, Inc. (CA)

Our XXXX XXXX XXXX Report dropped significantly. We traced the amount to XXXX XXXX XXXX. An amount of {$450.00} was sent to Convergent Outsourcing Inc. for collections. This amount is still outstanding. XXXX XXXX requested that we file an identity theft report to the police and to you. We have never had any dealings with XXXX XXXX. This is a fraudulent claim. Someone had access to my SS #. I am filing a report to the police department.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lending Club Corp (WV)

Was informed from my credit report, someone fraudulently attempted multiple banks/credit unions loans. Contacted Lending Club Bank to report fraud. They stated since the application is pending theres nothing that can be done. Until I randomly check back days later to see if the individual got their loan on my name/social. I told them by then its too late the fraudster would have the money. They stated until the loan is approved they cant do nothing. I told them to stop the application its fraud. They refused. Also this bank is listed twice on my report with two different branch addresses. They confirmed they own both branches. My credit report show two different accounts attempting to open by both of their branches.
Consumer complaint received 2022-02-28
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. (MI)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected 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. 
XXXX XXXX XXXXXXXX XXXX Balance {$0.00} co XXXX XXXX XXXX  XXXX Balance {$1200.00}
Consumer complaint received 2022-02-28
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2020-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

IN XX/XX/XXXX I FILED BANKRUPTCY AND INCLUDED THIS DEBT NAVIENT WAS ON THE CREDITOR 'S LIST NAVIENT FAILED TO REPORT THE DEBT TO US TREASURY SINCE XX/XX/XXXX I NEVER REAFFIRMED THE DEBT NOW IN XX/XX/XXXX PAYMENTS ARE TAKEN OUT OF MY SOCIAL SECURITY NOW DEBT SHOW XXXX BALANCE ON NAVIENT WEBSITE
Consumer complaint received 2022-03-02
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. (NY)

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 filing a legal complaint against you!
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial (NC)

I do not have an account or contract with you people. I have been going over the situation with Preferred lease since XXXX/2021. I have been told there is no contract and account. I have visited the local kiosk and confirmed there is no account. I have been told on several occasions the information would be updated with XXXX XXXX to take the fraudulent and erroneous delinquent account on my credit from Preferred Lease would be deleted. it has been 3 months and they have not corrected my report. They report a fictitious payment made in XXXX 2021. Again, I have no account and I never made a payment. Preferred lease will not provide me with a signed contract or validation of debt including said account where this payment was derived. Bottom line Preferred Lease is in violation as they are reporting fraudulent erroneous information to the credit bureau that is not validated. They are violating FCRA and fair debt collecting practices. They are causing unfavorable credit decisions due to the fraudulent account.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

Subject : Regarding Debt Collection for XXXX XXXX Dear Debt Collection Agency, I am writing in response to the notice I received regarding a debt collection for XXXX XXXX XXXX, dated XX/XX/year>. According to the information provided, the debt is related to a check issued on the aforementioned date. 

I would like to bring to your attention that I work at XXXX store number XXXX and commenced my employment on XX/XX/year>. As such, it is impossible for me to have been paid this amount prior to starting my employment at XXXX. Therefore, there seems to be a misunderstanding or an error regarding this debt collection. 

I kindly request that you review the information provided and investigate this matter further to clarify any confusion. Please let me know if there are any additional details required from my end to resolve this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-02
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. (CA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.