davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-29
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. (GA)

On XX/XX/XXXX I ask for a PIN Number involving my Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through fouXXXX more Equifax Confirmation Numbers after asking for a PIN Number to my Equifax Credit Freeze Report. And after asking for a Pin Number to my Equifax Credit Freeze Report. And after five tries one Equifax Representative stated on XX/XX/XXXX, that a creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

This iswas totally incorrect, wrong. I, XXXX XXXX left XXXX, TX on XX/XX/XXXX and moved to the XXXX XXXX XXXX, in XXXX XXXX, GA. And my address was and has been XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX , GA XXXX since XX/XX/XXXX. Then I asked WHICH CREDITOR? 

Even my XXXX XXXX XXXX as well as the Veterans Administrations are aware of my address change since leaving XXXX XX/XX/XXXX. And I have received appointment notices to my XXXX XXXX, GA Address since moving to this address. 

And what is so troubling about these five tries is that my address information has been compromised by a clandestine creditor, one made up by operatives involving the false traffic alleged citation from the lying XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX. 

And what makes this so ridiculous is that Equifax sent me my XX/XX/XXXX XXXX  Score to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. My First legal name was XXXX which was changed XX/XX/XXXX. However, both the XXXX as well as that of the XXXX XX/XX/XXXX reflects the same first name. So how is it that a clandestine creditor can report my current address and change it to my old XXXX TX Address. Thus the privacy and the communications of an address change has been fraudulent done via the permission of Equifax without notify me nor sending any information that my address has been changed since XX/XX/XXXX from being my XXXX, GA address to that back to my old XXXX XXXX XXXX address. 

This is criminal and I want to be highly compensated by Equifax in the sum of XXXX  XXXX ( XXXX XXXX Dollars ) for their actions of allowing my privacy to be violated. So who is this unknown clandestine creditor that involved knowing my PRIVACY as well as pertinent information. Whom was allowed to change my address without me, XXXX XXXX knowing about it and agreeing with the change. 

Plus, Equifax has failed to reveal who this XXXX creditor is that violated my privacy as well as my Personal Credit Information. This is criminal and I blame Equifax for allowing such without a consent and agreement by me XXXX XXXX of the XXXX, GA Address. 

Because all of my CREDITORS including the banks whom I have credit cards with as well as Department Retailers, XXXX  XXXX, XXXX and the U S Postal Service. All knows and are aware of my current address as being XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX since XX/XX/XXXX.
Consumer complaint received 2018-04-29
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. (FL)

I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.
Consumer complaint received 2022-07-22
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX FS XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I'm no longer a customer with Wells Fargo, as I was able to refinance with another lender but I wanted to file a complaint against the company on how they handled the situation. 

There was a short period where I fell behind on payments and Wells Fargo converted my traditional 30-year mortgage to a 50-year load modified mortgage where I was basically paying interest. After paying mortgage payments for 2+ years, I was noticing that my payments were not even impacting the principal. I felt like Wells Fargo placed me in a very unhealthy mortgage loan, and felt that I was scammed. I would like this to be reviewed in detail and see if what Wells Fargo did was unethical.
Consumer complaint received 2018-04-29
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. (MO)

I paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.
Consumer complaint received 2024-03-05
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

I was reviewing my XXXX XXXX information in XXXX XXXX and saw that Southwest Credit Systems is in collections for {$1500.00}. The company has not sent me anything regarding this debt and I do not know what the debt is for or any information about it. I want this collection removed from my credit profile.
Consumer complaint received 2022-08-26
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. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX AV XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Consumer complaint received 2018-08-02
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. (FL)

My XXXX XXXX XXXX credit card was closed by the creditor, it is in their collections. They added a new late to my credit report. If it already charged off or closed, can they continue to apply lates hurting my scores?
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

Disputed XXXX XXXX for {$590.00} with the company multiples times, sent out 611 & 609 letters on my behalf with no response so I sent my last and final validation letter on XX/XX/18 also spoke with them 2 weeks ago at which each time I asked them to validate the debt with a written contract. Company received my disputes on It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX nor did the company as each time they called me I asked them to send the contract with my signature.
Consumer complaint received 2018-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX  on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.
Consumer complaint received 2018-07-19
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. (IN)

My XXXX XXXX XXXX account number : XXXX is being reported as being delinquent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XXXX XXXX credit report, Transunion has the account listed twice, one with the delinquency and one in good standing ; which they all should be in good standing with no delinquencies. The account has been closed and paid in full. I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX have removed the late status. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/XXXX, they had removed the account delinquencies and later put them back on my report driving my score down. TransUnion and XXXX only sent me a report stating that the accounts were verified. They did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the delinquencies be deleted immediately from my credit report.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting Act the following accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 stated a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Multiple Lenders unable to pull Equifax Credit Report. 

On XX/XX/XXXX I contacted XXXX XXXX to become Pre-Approved for a Mortgage Loan. The Lender came back to me and informed me that we were approved, but the Equifax Credit Report was blocked or frozen. The lender informed us that they would need to access this for us to qualify and close on a mortgage loan. They received the XXXX and XXXX report without any problem. 

After contacting Equifax Customer Care, they informed me that there wasnt a Lock on my credit report and its the lenders mistake or fault. 

On XX/XX/XXXX we contacted a different lender for a Pre-Approval. They also told us that the Equifax Credit Report was blocked, but XXXX  & XXXX report came through no problem. We were approved, but they would need the Equifax report for us to close. 

On XX/XX/XXXX, I contacted Equifax again to inquire if there was a solution to my problem. Again they told me it was the lenders fault and there wasnt a lock on my report. I told them it had to be on Equifaxs side, because the exact same problem happened a 2nd time with a different lender. I asked to file a complaint and they transferred me to an Escalation Department. They told me it would take 7-10 days to receive a response. There is no way to follow up and they told me I would receive an email or phone call. No complaint number or anything to follow up on. I dont feel confident that a resolution will come from this process. 

On XX/XX/XXXX, I called Equifax again to see if I could get a different response and that I wanted to file a complaint again. They told me if they filed a new complaint the original complaint would be deactivated and push the response time further out. I told them not to do that. Again they told me it was the lenders fault with no accountability whatsoever. 
On XX/XX/XXXX, we signed an offer agreement to buy a home and the close is scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I called Equifax to ask about the Escalation of our problem. They told me there was no way to look up the progress and I just had to wait for a response, again via email or a phone call. 

On XX/XX/XXXX, I paid for the Equifax Credit Monitoring and tried to pull my Equifax credit report and couldn't access my report. Please see attachment. 

Needless to say Im a little worried that this will not be resolved in a timely manner due to Equifax and we will lose the home that were buying. 

Any help that you can provide would be greatly appreciated! Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Mobile : XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have requested for XXXX to remove reported late payments for all XXXX accounts by dispute online and in writing and it has yet to be updated. I have contacted XXXX and they have sent me proof that I havent had any late payments. This is a student loan account which has been on a IDR of {$0.00} since it has been with XXXX and prior to. However, XXXX refuses to update this information and these late payments are effecting my overall payment history.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Finance Company, Inc. (MD)

I received a debt collection notice dated XX/XX/XXXX for the remaining balance of {$200.00} from Professional Finance Company , Inc. on behalf of the original creditor, Anesthesia Partners of Maryland. I began making monthly payments to this collection agency on XX/XX/XXXX - {$20.00} ; XX/XX/XXXX - {$20.00} and XX/XX/XXXX - {$20.00} ( payment receipts attached ). As of today, the balance remaining is {$140.00}. This collection agency reported to the credit bureau on XX/XX/XXXX that I owe {$160.00}. I have been making regular monthly payments and this should not have been placed on my credit reports as a collection account since a payment was made on XX/XX/XXXX. I have disputed this matter with all credit bureaus to have this collection account removed. 

The payments were made through XXXX which is the payment system Professional Finance Company sends to consumers to make payments. This is noted on their website at www.paypfc.com.
Consumer complaint received 2022-06-15
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. (CA)

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 an account without my written instructions 15 U.S.C 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
Consumer complaint received 2024-03-05
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)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (CA)

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 an account without my written instructions 15 U.S.C 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
Consumer complaint received 2018-07-19
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)

Citibank chose to close my credit card after 5 years of current payments, with no reason or advance notice in XX/XX/XXXX. 
At first it was told to me that I was not current on minimum payment. Untrue. 
XX/XX/XXXX Citi operator said it closed due to suspicious activity. 
I have yet to be temporarily credited or documents on dispute I addressed in XX/XX/XXXX by XXXX XXXX for {$560.00} in XX/XX/XXXX, unauthorized. They closed the account, issued new card w/ account, but denied me $ 0 % liability on unauthorized transactions. 

1. I am NOT paying the disputed amount plus interest on the XXXX XXXX charge. 
2. Explain why Citibank choose to close my account. 
IN WRITING OVER CFPB ONLINE AND TO MY MAILING ADDRESS. 

Regards
Consumer complaint received 2018-07-19
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)

XXXX XXXX has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with XXXX XXXX was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.
Consumer complaint received 2024-03-05
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-15
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. (AZ)

There was a security breach with XXXX on XX/XX/XXXX XXXX XXXX XXXX where customer files were breached. I was one of those customers and my identity was compromised. i recieved a email detailing the incident. Any accounts opened or applied for durring that time period i cant claim responsibilty for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
Experian 's National Consumer Assistance Center at XXXX XXXX XXXX, XXXX, TX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (UT)

I do not want the banking institution infringing upon my civil rights by telling me what purchases I can or can not make. When I apply for a credit card it is my choice what I will purchase not the banking industry. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (TX)

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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. (TX)

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX