davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (WI)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a request to investigate personal information as well as accounts I did not recognize on my XXXX  report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.
Consumer complaint received 2023-03-03
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. (PA)

The credit reporting agencies continue to report incorrect information on my consumer report. The addresses, the names, the phone numbers, and the personal statements are NOT accurate. I have been a victim of identity theft, I have submitted the report, and the CRA 's will NOT remove the information and will NOT report the correct information. I am submitting a copy of Affidavit, current drivers license, and a copy of the misrepresented information that XXXX has on my report. It is a PURE disgrace for lenders and creditors to depend on the agencies, yet their information isn't factual. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that the CRA 's have reported inaccurate information. This inaccurate information is unfair to me because I was never notified when the inaccurate information was furnished, and I was never notified that they were going to report this incorrect information. This grave error has undermined my confidence in the CRA 's procedures.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX XXXX  acount # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lotane & Associates, P.A. (FL)

XX/XX/XXXX - left a subpoena with my mother ( attached ) This subpoena was served to my mother and was addressed to my maiden name, which I have not used this name since I was married in XXXX. 

There was not attempt to see if this person named on this subpoena was me. 

It was served not in an envelope, not notarized, just a stained photocopy stapled together. 
The Case number is not a complete case number and there is no amount even stated on the paperwork. ( see attached ). 
I called XXXX XXXX XXXX  office in XXXX co, there is no record of any open cases against myself under my name. 

This is the second collection agency that has appeared in the last few months. 

This is not my debt nor my name. I have never received any correspondence from XXXX XXXX XXXX that I owe them anything. I do not have any collections on any of the 3 credit bureaus. I follow and watch them closely since my identity was stolen in XXXX. I filed a police report at that time proving my identity was stolen.
Consumer complaint received 2022-04-20
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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-10-16
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. (DE)

I recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Consumer complaint received 2023-10-06
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)

In Accordance with the Fair Credit Reporting act. XXXX Account # 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 2023-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

. I have a 5-year auto loan with Credit Acceptance . I opened this account in XXXX for a vehicle ( XXXX XXXX XXXX XXXX ). 
In accordance to the XXXX moratorium that ended in XXXX late fees and interest charges were not supposed to be charged during this period - yet Credit Acceptance continue to collect these fees on this loan. Also, the additional fees they continue to charge are junk fees and makes no sense why these fees are being collected.
Consumer complaint received 2023-03-08
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)

To Whom It May Concern, On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inacurrate/ incorrect. 

To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my 2nd request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for the dispute below XXXX XXXX  XXXX account showing all the wrong payment history and information. it needs to be deleted.
Consumer complaint received 2023-11-30
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. (TX)

I am writing to express my dissatisfaction with the recent attempt to rectify the delayed opening of my account. Despite my previous correspondence and the acknowledgment of the issue, I find it regrettable that a second attempt has proven unsuccessful. 

I first brought the matter to your attention, outlining the inconvenience caused by the delayed account opening. In response, I received assurances that prompt action would be taken to address the matter. Unfortunately, it has come to my attention that the issue persists, prompting me to register this formal complaint. 

I understand that unforeseen circumstances may contribute to delays in processing, but the repeated failure to resolve this matter is both frustrating and unacceptable. As a customer, I expect a level of service that includes timely and efficient handling of account-related matters. 

I request that you investigate the root cause of this delay and take immediate action to rectify the situation. Additionally, I would appreciate regular updates on the progress made to ensure that the matter is resolved without further delay. 

If the necessary steps are not taken promptly to address this issue, I may have no choice but to explore alternative options and escalate this matter further through appropriate channels, including filing a complaint with the relevant regulatory bodies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$2700.00}.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.

Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. 
This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you!
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these alleged debts by providing me with a contract bearing my signature and the documentation allowing them to purchase my debt from the original creditor. I have never given anyone permission to purchase my debt nor do I have any knowledge of these accounts. Please review the attached accounts.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I received an invitation from my Fifth Third XXXX account offering a XXXX percent balance transfer for 18 months. I applied for the balance transfer online and at the end of the application received a message stating I would be informed if the balance transfer was approved. I did not receive any notice that my balance transfer had been approved but a month later I went online to download my mortgage loan statement and saw that I had an outstanding balance on my XXXX account with a past due amount and a {$29.00} late charge ( XXXX statement ). I immediately paid the amount due and called the 800 number on the statement. I explained that I had not received any notice that the balance transfer had gone through and the Bank reversed the late charge. A few days later I called the 800 number again because there was an incorrect charge for {$2.00} ( interest on current purchases ) on my account. The {$2.00} charge was removed. On the XXXX statement there was an incorrect charge of {$1.00} ( minimum charge ) on my account. I called again and the charge was removed. On the XXXX statement there was a charge for {$100.00} for interest. I called the XXXX number again and was told that my zero percent interest had been cancelled because I was late with the first payment. For four months, my XXXX statement showed that I had a zero percent balance transfer and then it disappeared. 
I contacted the branch XXXX ( XXXX ) at the Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX GA, explained what had happened and was told that she would open an investigation. When I didnt hear back from her, I went to the Fifth Third branch manager at the XXXX XXXX XXXX XXXX XXXX XXXX GA location but all she did was call the 800 number I had previously called and had me talk to a supervisor who told me again that the zero percent interest offer had been cancelled because I was late with the first payment. The supervisor also told me that Fifth Third did not send notices of any kind regarding statements or due/past due amounts. I later found out that XXXX did not open an investigation on my behalf and she refused to return any of my phone calls. I ended up paying {$240.00} and {$100.00} that I shouldnt have had to pay.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-09-30
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. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (AR)

This information is pending and was not aware of property undergoing auction sale? I am also needing assistance with funds if there are available grants. 
This information is being requested due to different information given that my property is undergoing foreclosure process in XXXX XXXX and I was informed that I had forebearance until the end of XXXX XXXX I have been receiving false information and this could have been resolved prior to the current state that my property status conditioned.
Consumer complaint received 2019-12-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

Equifax received a valid police report. The Data furnishers are notifying me that Equifax isn't forwarding any police documentation to them for the negative accounts still listed on my credit report. So how are you verifying fraudulent balances on negative accounts from Equifax Confirmation # XXXX???
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-10-16
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. (CA)

The company XXXX XXXX is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.
Consumer complaint received 2022-10-16
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: JPMORGAN CHASE & CO. (PA)

In accordance with the federal reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose
Consumer complaint received 2024-03-14
Product: Credit reporting 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. (TX)

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 2023-11-29
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. (AZ)

ON XX/XX/2023 EQUIFAX WAS SENT A DISPUTE THAT MY TRACKING NUMBER THAT WAS PROVIDED SHOWS THEY RECEIVED. As of today they have yet to process my request I also sent them an FTC report to dispute this matter and they have yet honored my request