davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Equifax is reporting XXXX accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere i have shown proof, Equifax refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I called on XX/XX/2022 to ask for a replacement card as my card was about to expire and I was told a new card would be mailed out in 7-10 business days. I received notification on XX/XX/2022 that my account had been closed. I called and no representative would tell me why they closed my account. The account has always been in good standing and I have been with them for 5 years. I was told to reapply if I wanted to have an account, but no information would be provided over the phone as to why the account was closed. I was told a letter would be sent out.
Consumer complaint received 2018-10-05
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. (NC)

Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX, when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do  the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I went to the branch 3 separate occasions, no manager was there, I made an appointment just to see why my savings account was frozen. I made an appointment, when I got there manager was on lunch. I waited she explained that my account was frozen because my son social security checks had been deposited, but his name wasnt on my account. She asked me to scan documents and email them to her, I havent heard a email, call or anything
Consumer complaint received 2023-04-07
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: Resurgent Capital Services L.P. (IL)

I recently checked my credit and seen LVNV FFUNDING LLC reporting

2 collections on my credit report one for {$750.00} an another one for {$2000.00}. I dont know this company or never did business with this company. This company doesnt have any contract or written signature of mine.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

Credence Resource Management LLC Ive sent in debt validation letters XX/XX/2021 and also everytime they have called my phone i have asked for debt validation i never receive the validation of debt but somehow i receive several notices in the mail about this debt they are bypassing the fact i have asked for a validation of debt from the original creditor, Ive constantly asked to VALIDATE the debts NOT VERIFY
Consumer complaint received 2022-01-19
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: Thaxton Investment Corporation (AL)

I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC XXXX, XXXX XXXX, XXXX XXXX. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

previously disputed these account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-18
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. (IN)

On XX/XX/XXXX, I submitted a dispute with Experian to correct information on my credit report. Those items are included in a screen shot I took of my Experian account. 

For starters, the dispute results were complete at XXXX, when Experian isn't open, which clearly means my dispute was sent overseas and not actually looked into. It was reduced to a code, sent through e-OSCAR, and returned from some source without actually being fairly adjudicated. 

Secondly, the bankruptcy came back as " verified with the source who provided the information ''. This is untrue as the U.S. Bankruptcy court DOES NOT supply or verify information with credit bureaus ; this is clear written on their website and was verified when I called my local Bankruptcy court in Indianapolis. As the U.S. Bankruptcy court has been placed on my report, they would need to verify my identity ; since they do not furnish data, they could not have verified the credit item. Therefore, it must be deleted. 

Finally, instead of deleting my XXXX XXXX Account, XXXX, they reclassified the account as a " personal loan '', which XXXX XXXX is an online store and not a lending institution.
Consumer complaint received 2024-03-04
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. (CA)

I appreciate the effort to remove certain items from my file due to alleged erroneous reporting ; however, additional items still require removal. This complaint seeks to eliminate the remaining unauthorized hard credit inquiries from my credit reports. Upon reviewing my credit report from your bureau, dated XX/XX/XXXX, it became apparent that the unauthorized inquiries had not been addressed. Below are the unauthorized inquiries identified : -- -- -- -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 XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please proceed to remove the listed inquiries in compliance with the Fair Credit Reporting Act. Should there be any other unauthorized inquiries not specified here, kindly remove them promptly. According to Section 605B ( a ) of the Fair Credit Reporting Act, any information opened without my consent, knowledge, or authority must be removed within four business days, provided there is ( 1 ) proof of my identity, ( 2 ) a copy of an FTC report, ( 3 ) identification of such information by me, and ( 4 ) a statement from me denying any relation to the transaction. Attached is my new FTC report # XXXX.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

Dear CFPB, I am writing to you as a resident of Illinois in an attempt to remove a collection account from my credit report. I have contacted the three major credit bureaus - XXXX, XXXX, and XXXX regarding an item listed on my credit report as a collection account, specifically " Credit Collection Serv XXXX ''. Despite disputing this item with all three bureaus and sending letters via mail, I have not received any written or verbal response. XXXX informed me that the collector had responded and that I would receive their response via mail, but it has been over 90 days and I have not received anything. 

I do not believe that this collection account belongs to me, as I have never been contacted by this debt collector through any form of communication, such as mail or phone. Despite this, the account is negatively impacting my XXXX XXXX and overall credit, and I have not received any proof or validation of the debt. As such, I am requesting that this account be removed from all three bureaus since it does not belong to me. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or incomplete information on my credit report. Additionally, the FCRA requires credit bureaus to investigate disputed information and remove inaccurate or unverifiable information within 30 days. In my case, the credit bureaus have failed to comply with these requirements, and I have been unfairly burdened by this collection account on my credit report. 

Furthermore, the Illinois XXXX XXXX XXXX ( XXXX ) prohibits XXXX from using any false, deceptive, or misleading representation in the collection of a debt. The XXXX also requires XXXX to provide written validation of a debt within five days of initial communication with the debtor. In my case, I have not received any communication or validation of the debt from the collector, which further supports my claim that this collection account does not belong to me. 

In light of the above, I urge the CFPB to investigate this matter and take appropriate action to remove the collection account from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2024-03-01
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. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-04-10
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. (TX)

Equifax upheld a debt, via XXXX XXXX XXXX, for XXXX XXXX XXXX, in the amount of {$16000.00} by way of fraud. 

The XXXX Judicial District Court found the debt was not owed, as well as the court documents submitted, to Equifax, including a Writ of Re-Entry, validating my dispute. Although the court granted permission to repossess my unit, I was denied re-entry. 

XXXX and XXXX has removed the debt, with CFPB ( file number XXXX, with the same parties ), referring my file to the FTC for enforcement.

I am humbly requesting for this debt to be removed as it was fraudulently placed on my credit.
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NJ)

It is nice to have the account re-opened, however, the company did not allow me to remove an abundance of charges accumulated onto the account. They are waiting for some companies to respond. I do not mean to bug people, however, I would like to have my account payments reduced.I am not able to pay XXXX a month. I need to be placed into the Payment Protection Plan again. Discover accidentally charged me over {$2000.00} for XXXX charges since having the account. I never signed up for XXXX  or any other additional services on my account. They tell me that they are only able to see statements from XX/XX/XXXX. They should monitor fradulent and faulty charges from XX/XX/XXXX- XX/XX/XXXX also. How are they able to say that I owe over {$5000.00}?, in charges, since XX/XX/XXXX. What if some of the other charges on the account are fraudulent. Then it is okay to say that I am not liable for a {$5000.00} credit card bill. My credit card balance should be cut into half due to the fradulent XXXX   charges that I did not sign up for. Additionally, my payments should be lower.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (NJ)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15USC 1681 Section 602 States i have the right to privacy. 

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a mortgage account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-01-19
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/XXXX
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account after having several transfer issues leading to refunds and they will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. This happened in XXXX XX/XX/2021. Basically I would transfer personal funds. During my first days all would go well. Unfortunately some transactions later, PayPal would first give me error messages then later would send but on the receiving party they would not receive anything. This would result in me requesting for a refund after agreement with receiving party. It went on and on and unfortunately my account shut down before i could reach out to PayPal. It had approximately {$48.00}. Im currently in XXXX and {$48.00} is quite a lot here hence it was a huge blowout to me. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2018-10-05
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)

After reviewing my credit file I found several accounts I never authorized. I sent a request for proof of documentation the Bureaus must have on file under fcra sec 609, requiring proof of contract bearing signature used to validate ownership. They have refused to provide any documentation on file. The laws are in place to protect the consumer and they are not being followed. I have provided a fraud affidavit also with my dispute. below are the creditors be reported. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

For more than two years, I have tried to get details about my credit files, many of which were wrong or mysterious ; and I had paid for the monitoring plans for each of the big three, Equifax, XXXX  and XXXX. Despite that, and having also paid a legal debt correction service ( XXXX? ) for about 10 months with less than satisfactory results ; and also my Legal Shield law firm, which sent letters to the creditors that refused to supply verification and source of debt details ; and also wrote each of the three reporting services seeking removal of erroneous, old and paid off accounts ; I see that many of these remain, even some XXXX XXXX XXXX ; and lately, a company with which I have a dispute over services and its contention I owe them for early termination ( XXXX XXXX XXXX XXXX ), I now have yet another mark on my credit report. I can not get any results! And it is hurting me.