davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Equifax is reporting a single state income tax lien XXXX attached ) in duplicate on my credit report. 

I had a Georgia income tax lien XXXX XXXX XXXX ) placed against me on XXXX/XXXX/XXXX and paid the lien in full on XXXX/XXXX/XXXX. The Georgia Department XXXX XXXX charged a fee of {$25.00} in addition to the original lien amount of {$740.00} for a total payment of {$770.00} to satisfy the lien. 

The XXXX XXXX XXXX Court recorded the lien when it was placed XXXX XXXX XXXX in XXXX and then again to indicate its satisfaction XXXX XXXX XXXX in XXXX. Equifax is misrepresenting the recording of the satisfaction in XXXX as a SECOND tax lien on my credit report. 

Neither XXXX are reporting the second fictional lien but Equifax is XXXX see attached public records potion of my credit report ). 

Equifax has been put on notice by me and responded with Confirmation # XXXX XXXX see attached ) claiming they had investigated the matter and determined that each lien was reporting correctly. 

Either Equifax conducted NO investigation of my complaint dated XXXX/XXXX/XXXX ( see attached ) or their investigation was so SHODDY as to, in either case, constitute a violation of the FCRA by willful or negligent actions on their behalf.
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

XX/XX/2020 payment indicates 30 day late on credit report. I have filed an extension for XX/XX/2020 due to Natural Disaster and was granted approval. I have ask to have the late removed of credit report. I was also informed During the Natural Disaster the loan company will not be reporting late to credit agency during the Natural Disaster ( Covid19 ). I have talked and confirmed with XXXX and she indicated I was correct it should be appear but it shows on my credit report. Please assist with the removal.
Consumer complaint received 2022-05-22
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Sent letter and called telephonically to have this information removed and no action has been taken.
Consumer complaint received 2019-12-27
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: Experian Information Solutions Inc. (TN)

This account popped up on my credit and it is not mines. I have filled out all the correct docs to show that i am a victim of identity thief and will attach the ftc report with this complaint. Please block and remove this from my credit please XXXX  XXXX  XXXX  Account Number : XXXX XXXX / 2019
Consumer complaint received 2023-01-06
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: NAVY FEDERAL CREDIT UNION (SC)

I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from NAVY FEDERAL CREDIT UNION for the interest I have earned, as a result of NAVY FEDERAL CREDIT UNION trading my securities on the exchange. This has been done without my knowledge and constitutes that NAVY FEDERAL CREDIT UNION trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub.

L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

I purchased 120 XXXX Gift Cards at {$100.00} each. I received only 117 Gift Cards and the company keeps creating obstacles to replace the three missing cards. They are telling me to audit each card number which I did and they still will not replace the cards. I have already distributed the cards that I have and want the three missing cards sent expedited.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

My old loan company CashCall Mortgage sold my loan to another mortgage company XXXX XXXX XXXX. In the process my payment for the month of XXXX was lost. I paid my old loan company CashCall on XX/XX/XXXX for the month of XXXX And that payment was not received by the new loan company. Ive been back and forth with the old and new loan company and both have said something different and Im being penalized for the month of XXXX because they took my XXXX payment and charged it for XXXX. Its been almost two months since the transfer and that payment is no where to be seen.
Consumer complaint received 2020-06-13
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)

XXXX XXXX XXXX XXXX ACCESSED MY ACCOUNT XX/XX/2018 See attatched EQUIFAX BREACH NOTIFICATION. WEBSITE NOT ADA ACCESSIBLE TO REPORT. www.Equifaxbreachsettlement.com IS NOT WCAG 2.1 ADA COMPLIANT. 
I have XXXX XXXX XXXX. This site would not set proper dates. I was unable to attatch documents or record data. IT REQUIRED ( hand movements ) no screenreader I have on my XXXX. AM I A ROBOT could not perform MY HANDS UNABLE TO PERFORM I AM ABLE TO SEND DOCUMENTS TO CFPB WEBSITE. I LOST {$8000.00} ON TWO CARDS *XXXX XXXX NO ACCESS *XXXX NO ACCESS. See attatched FTC ID THEFT case XXXX. NO ACCESS TO RESOLVE FRAUD WITH BANKS OR EQUIFAX.CALLED ON PHONE ALSO TO NO AVAIL.
Consumer complaint received 2020-04-13
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. (CO)

Today, Im filing 2 separate complaints regarding Equifaxs continued violations of my rights under the FCRA. Following is my first complaint : On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX shows that my letter was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 1 of 2 was a Method of Verification letter ( please see attached ) to Equifax regarding my previous disputes of 2 alleged dismissed bankruptcies theyre reporting on my credit report. As afforded by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA Section 611 ( a ) ( 7 ), my Method of Verification letter requested Equifax provide 1. The name of the original creditor ; 2. The creditors address and telephone number ; 3. The name of the person who verified your information ; and 4. The  documentation used to verify the dispute NOT LATER THAN 15 DAYS FROM RECEIPT OF MY REQUEST. To date, Equifax has not provided the information requested and continues to report this unverified information on my credit report. Because of their failure to respond and continued violation of my rights under the FCRA, I expressed mailed a notarized Affidavit of Intent to Sue regarding this matter ( please see attached ). Equifax received my Affidavit on XX/XX/2020.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (CA)

XXXX XXXX The Mortgage company has somehow attached my email to a XXXX XXXXXXXX XXXX refi loan. I am receiving emails over the past XXXX XXXX months with XXXX XXXX personal information, SS number, full loan application with all of XXXX XXXX financial and personal information. I am not a party to this loan nor have I have any contact with this loan. I have reported the error in miscommunication to Village Capital Investment and was told it was a mistake and I will not receive any information. 
I, Today, just received a full financial package for XXXX XXXX with the ability to see everything. XXXX XXXX financial information is now being subjected to possible exposure and fraud. XXXX XXXX needs to be communicated that his information has been leaked by Village Capital. 

To repeat, I am not a party to these people, nor have I
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; 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 2020-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (OH)

On XX/XX/XXXX I was told that I could make a {$1000.00} dollars and all I needed was to give the person my debit card and pin number. I did so and around XXXX XXXX that morning I had {$990.00} in my account, the person told me to send {$670.00} through apple pay and cash app and that more money would come later. I did so and later that day my XXXX account was locked I called to see what was going on and they did not give me much information just that in a few days they would be able to tell me what was going on. About 5 days later I got a text alert from XXXX stating I was in the negative {$1000.00} dollars. I called up there later that day and they said there was nothing they could do. I called on 3 different occasions hoping to get a different response but each time same result. On XX/XX/XXXX I got a letter in the mail Sunrise Credit Services stating I owe the above balance. Today I was starting a payment plan to pay the debt and a friend who was a victim of the same scam told me that he disputed the debt since he was a victim of fraud, and his bank account was closed and his balance was reset to XXXX. Which I did not know you cold do up until now since I was told there was nothing I could do by representative at XXXX.
Consumer complaint received 2020-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc (FL)

Intent to file lawsuit, HIPAA Privacy Violation 2nd Request for Validation of Debt : { FOCUS FINANCIAL SERVIC } Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency and I haven't received validation of the debt { FOCUS FINANCIAL SERVIC } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the collection agency and credit bureau for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Please REMOVE this debt or properly provide VALIDATION and proof that my HIPPA Rights were not violated : Please send me the following items within 15 days : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2023-05-26
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. (GA)

I submitted a complaint last XX/XX/XXXX, XXXXTransunion responded but XXXX and XXXX 's XXXX is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-03-21
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2020-06-13
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. (MI)

On XXXX I disputed XXXX XXXX XXXX and XXXX XXXX on my TransUnion Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I was attempting to make several credit card payments to my credit card ending in XXXX to Citicards through my checking account with Citibank ending in XXXX. 
I did these payments on XX/XX/XXXX th XXXX th and XX/XX/XXXX. On XX/XX/XXXX th found out that the payments didn't go through because they couldn't locate my bank account number. I asked why no one got in touch with me sooner so I could make the payments another way but wasn't really given an answer. Anyway got in touch with Citibank and was told that there was a technical glitch and an additional number added to my account by accident. I explained that to Citicards but they proceeded to close my credit card account and then closed my other two credit card accounts with citicards. I have not been able to open another credit card with Citicards and have tried applying for a card XXXX XX/XX/XXXX and was rejected. I have paid everything I owed at the end of XXXX which wasn't even due until the end of XXXX. There is no legitimate reason for citiicards to reject my request for another credit card. In the past I've always been successful making payments using Citibank app on my XXXX and tried to explain that I did not make any payments where I have had to enter my routing number or bank account number but they refuse to believe that the bank made an error and Citibank continues to take any responsibility for this error. I already accrued XXXX miles with their credit cards. If you need any other information please let me know. I have a fourteen year relationship with Citibank and the i credit card company and in that time have never had anything like this happen. I also have a XXXX credit rating with the three credit bureaus because I always pay my bills early but always when then ate due. The three payments amounting to {$380.00} weren't even due but had texted money so decided to pay off part of my {$850.00} balance early, something I do On a regular basisa If you require further information please let me know. Thank you
Consumer complaint received 2024-03-21
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. (NJ)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/year> ; XXXX OF XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
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)

I noticed two accounts on my credit report that I did not recognize. I have never had XXXX  XXXX or XXXX. I never even use my credit. This has to be identity theft because I never solicited these credit accounts. Please help me.
Consumer complaint received 2020-04-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CBM Services, Inc. (MA)

I contacted the company many times my score very dawn my ex husband my sponsor of XXXX and the company did collection bills of hospital  I had also a insurance and of government card of XXXX the company did the collection and now my credit score very low I had XXXX  XXXX I have evidences. Terrible company I tried contacted many times and I did complaint business bureau.
Consumer complaint received 2020-06-13
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.