davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (IN)

I noticed unauthorized inquiries on my credit report, called the bureau & was told that the account is accurate. 
According to the FCRA these unauthorized and unverified items must be removed. Ive sent paperwork and proof of my identity & they still refuse to delete items
Consumer complaint received 2022-01-23
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. (TX)

Hello, I hope this message is received successfully. In reviewing my credit profile and saw inaccurate information regarding my student loan through XXXX  XXXX XXXX XXXX University. 
The status is reporting late over 20 times. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 6 letters to the bureaus to have them send the proper validation of these alleged late payments. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This upsets me because my consumer rights are being violated! I have the right to dispute any misleading information. I saw a number of other inaccuracies as well. This inaccurate reporting goes against the FCRA Laws, does it not?
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

Account XXXX XXXX XXXX XXXX contains a billing error. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.
Consumer complaint received 2022-01-23
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. (TX)

Hello, I hope this message is received successfully. In reviewing my credit profile and saw inaccurate information regarding my student loan through XXXX XXXX XXXX XXXX University. 
The status is reporting late over 20 times. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 6 letters to the bureaus to have them send the proper validation of these alleged late payments. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This upsets me because my consumer rights are being violated! I have the right to dispute any misleading information. I saw a number of other inaccuracies as well. This inaccurate reporting goes against the FCRA Laws, does it not?
Consumer complaint received 2022-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have contacted Equifax numerous times to hear that there isn't anything they can do about fraudulent inquiries. I have inquiries on my report that do not belong to me. I have never applied for these accounts. I am a victim of an identity thief. 

XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX
Consumer complaint received 2023-07-18
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX.
Consumer complaint received 2021-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

I have tried to get our mortgage provider to work with us in several ways. But they have refused us help at every turn. SPS ( Select Portfolio Servicing ) now is trying to take my house with no help. Can we get help with making them work with us so we can stay in the home we have lived in for 23 years before they bought our loan?
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Please remove this negative account. 

XXXX XXXX XXXX XXXXXXXX XX/XX/2015 I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of this account. I don't know who could have done this. This is identity theft and a nightmare.
Consumer complaint received 2022-01-23
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. (UT)

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that XXXX, TransUnion or XXXX would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( XXXX ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX /Received : XXXX /Submitted for Investigation : XXXX Response from XXXX XXXX - Results : Unchanged Acct # XXXX ( XXXX {$1000.00} XXXX Certified Mail Ending in XXXX ( XXXX ) XXXX XXXX Submitted for XXXX Response from XXXX : XXXX - Results : Unchanged Letter # XXXX ( XXXX ) - : WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY Experian/TU/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Letter # 1 ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent XXXX XXXX / Rcvd : XXXX NO RESPONSE XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent : XXXX Rcvd : XXXX XXXX RESPONSE Letter # XXXX : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX XXXX ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX XXXX Letter # 1 : ( TransUnion ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :?/ Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :? /Submitted for Investigation? NO RESPONSE Letter # XXXX : ( TransUnion ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OR)

This is a continuation from a previous complaint XXXX. I have been trying for nearly XXXX  months to get my COVID relief foreberance ended and normal payments resumed. I am currently making a monthly payment of XXXX while they are " processing '' this deferral. I need this done ASAP so I can refinance this loan at a better interest rate with a lender who doesnt drag their feet for 7 months. XXXX  months is waaaay too long for this process.
Consumer complaint received 2022-01-23
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. (UT)

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that Experian, XXXX or XXXX would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( EXPERIAN ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( AFCU- {$520.00} ) Certified Mail Ending in XXXX ( Experian ) XXXX /Received : XXXX /Submitted for Investigation : XXXX Response from Experian XXXX - Results : Unchanged Acct # XXXX ( AFCU- {$1000.00} XXXX Certified Mail Ending in XXXX ( Experian ) XXXX XXXX Submitted for Investigation:XXXX Response from Experian : XXXX - Results : Unchanged Letter # 2 ( EXPERIAN ) - : WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY Experian/XXXX All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( Experian ) XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from Experian : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX {$1000.00} ) Certified Mail Ending in XXXX ( Experian ) Sent : XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from Experian : XX/XX/XXXX - Unchanged Letter # 1 ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent XXXX XXXX / Rcvd : XXXX NO RESPONSE 0915 4.3 ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent : XXXX Rcvd : XXXX NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete 0616 4.6 ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / XXXX XXXX ( AFCU- {$1000.00} ) Certified Mail Ending in : XXXX XXXX Letter # 1 : ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :?/ Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :? /Submitted for Investigation? NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX
Consumer complaint received 2022-01-23
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. (GA)

I originally opened an account with XXXX that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.
Consumer complaint received 2022-01-23
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. (GA)

I originally opened an account with XXXX that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX I received my credit reports through my mortgage broker. All 3 credit bureaus were incorrectly reporting that I was 60 days late on a payment for an XXXX XXXX credit card in XXXX. I contacted XXXX XXXX who stated they had no record of me ever being delinquent. XXXX sent an update to all 3 credit bureaus, correcting this mistake. Two of the credit bureaus fixed this issue, however Equifax changed my credit report to state that I was 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. This is clearly untrue as it also states on the report that the card was closed in XX/XX/XXXX. This also is not reflected with either of the other credit bureaus. I filed a dispute with Equifax in XX/XX/XXXX and waited the full 30 days. Twice I contacted them to receive documentation of the dispute, however both times the agent on the other line was unable to correctly take down my email address. To date, I still have not received any documentation from Equifax. Today, when I called again, I was told that the dispute was denied because Equifax is insisting that the report they received from XXXX XXXX states that I was 60 days late in XXXX. I called XXXX XXXX today and they confirmed that both when they sent the updated report in XX/XX/XXXX and as of today, the account has never been delinquent. Equifax filed a new dispute today, however I feel this is going to just be another lengthy amount of time that I will need to wait with no positive result for an issue that was clearly created by them.
Consumer complaint received 2022-01-23
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. (NV)

I have complained previously about XXXX XXXX reporting a 30 days late ( in XX/XX/XXXX ) on actually day 29 ( not 30 days late ) wthe furnisher received notice of a credit dispute from a credit reporting agency, and ( 2 ) the furnisher thereafter acted in willful or negligent noncompliance with the statute.XXXX is in direct violation of federal laws. all the agencies have done asked the XXXX ( furnisher of the report ) to verify the information and XXXX verifies they are reporting correctly however that is FALSE. 
15 U.S.C. 1681s-2 ( b ) imposes a duty on furnishers of information to investigate disputed information after receiving notice of a dispute concerning the completeness or accuracy of information from a consumer reporting agency. the furnisher ( XXXX XXXX received notice of a credit dispute from a credit reporting agency, and XXXX XXXX  ( the furnisher ) thereafter acted in willful or negligent noncompliance with the statute. still reporting on day 29 instead of day 30... XXXX has willfully neglected to report correctly and therefore is in violation of 15 U.S.C. 1681s-2 ( b ). 
All there agencies named here ( XXXX, Equifax, XXXX ) pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, have failed to establish or follow reasonable procedures, and for failure to delete inaccurate information.

ee 15 U.S.C. 1681e ( b ) ( " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " ) ; 15 U.S.C. 1681i ( outlining procedures for credit reporting agencies to follow in the case of a disputed accuracy ). See also XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) ( " XXXX XXXX claims against XXXX under 15 U.S.C . 1681e ( b ) and 1681i are due for dismissal because those provisions apply only to consumer reporting agencies. " ). 
If the agencies continue to not properly investigate the late 30 days reporting incorrectly by the XXXX on XX/XX/XXXX ( late 30 days ) I am left no option but to bring a federal lawsuit for damages against each agency under Fair Credit Reporting Act ( " FCRA '' ) for injury to reputation or creditworthiness for over a {>= $1,000,000}. 
XXXX can not report alate 30 days date, when they had payment in their possession on day 30. 
XXXX continues to reprot a late 30 days in XX/XX/XXXX which is incorrect information
Consumer complaint received 2022-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (GA)

Hello Sir/Madam, Huntington Bank did not allow me to close my business checking account with them over the phone or online. They're asking me to go in person to one of their branches. Right now, I am in GA where they don't have any branches and I can't travel due to pandemic. I request for your help to get my business checking account closed. 

Thanks XXXX
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

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