davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Upon reviewing my consumer report, I was surprised to find that the following company ( s ) is/are reporting charge off ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the mentioned charge-off ( s ) as I firmly believe that my consumer rights have been violated, as per the consumer law ( s ) listed below.

15 U.S.C. 1681a - Definitions ; rules of construction Section ( 2 ) Exclusions.

Subsections ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to the law, a late payment is considered a transaction and should not have been added to my consumer report.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; As a consumer, I am aware that I can charge {$1000.00} for damages if this item is not removed promptly, as it is causing me significant harm. Please refrain from stating that the item has been verified. Either the law is applicable or not. Kindly send an updated copy once the disputed item has been removed.
Consumer complaint received 2022-01-13
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. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX/XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (AZ)

I received an email from Experian indicating that my FICO score decreased by 13 points. When I finally got through to a human being the representative couldn't tell me why the point drop happened. They could not successfully transfer me to a supervisor but did offer to sell me a credit report. This is very disturbing because I haven't purchased anything recently that would require a credit check/review. It also dropped my credit rating from excellent to very good. Whatever happened with Experian ... it did not affect either XXXX or XXXX I don't understand how Experian continues to be allowed to have access to people 's credit information when they obviously have no idea of what's going on. They always seem to want to charge some type of fee to remedy the situation your calling them about ... whether it be a credit report or a credit lock. These people are crooks.
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

My complaint was closed without any result of the investigation being sent to me. I am refilling this complaint again demanding to send the result of the investigation on these accounts 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 ( Collections ). If these account can not be verified, I demand these items to be deleted.
Consumer complaint received 2021-05-20
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. (CT)

I have student loans with University XXXX XXXX XXXX. I have never made a late payment and had a lot of issues with them overcharging me these past few months. I just got those resolved and now on me and my mom 's ( who is a cosigner ) credit reports on TransUnion it says there are 14 missed payments and our credit scores have gone down signficantly. 

My disputed the report which TransUnion denied on XX/XX/XXXX. She also called and emailed on XX/XX/XXXX XXXX XXXX which provided no response to the email in the past month after saying the issue was being escalated and were extremely rude and not helpful on the phone. 
I have disputed on my report now with TransUnion but it is unclear whether the problem is with TransUnion or XXXX both of which have been unhelpful. I have many many issues with XXXX actually taking action to correct their errors in the past and need it to be resolved soon so our credit scores can go back to normal.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

My identity has been compromised since before 2008 when I was XXXX XXXX XXXX XXXX and people were opening accounts in my name and it has not stopped since. I really noticed the extent when I went to file taxes and they said someone already filed in my name. Also XXXX benefits, and who know what else that I have-not found or seen yet.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

I was AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed XXXX XXXX XXXX requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, Equifax, and XXXX requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/XXXX, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. I have disputed the account with Equifax, XXXX, and XXXX demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX XXXX  despite the fact that I have yet to be sent proof of the original contract for this alleged debt. These companies is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION (CA)

Our mortgage is through First Bank Mortgage. We received notice that effective XX/XX/XXXX, the loan was being sold to XXXX XXXX XXXX. The XX/XX/XXXX payment was paid through autodraft on XXXX. The amount paid was {$2600.00} ( {$2200.00} regular payment + {$400.00} extra to principal ). On XX/XX/XXXX, First Bank reversed this payment ( labeled as " misapplied funds '' ), as well as one other payment from XX/XX/XXXX ( {$160.00} ) which was an extra to principal payment. I called and asked for an explanation and was told it was due to the XX/XX/XXXX transfer. On XX/XX/XXXX, I received a statement from the new servicer ( XXXX XXXX XXXX ) and noticed that the outstanding principal balance was {$2500.00} higher than the balance shown on the First Bank statement that was issued after the XX/XX/XXXX payment. On XX/XX/XXXX, I called First Bank to ask why the XX/XX/XXXX payment and XX/XX/XXXX payments were reversed, and they had no explanation. On XX/XX/XXXX, they applied {$2200.00} from the XX/XX/XXXX payment, but the two extra principal payments of {$400.00} and {$160.00} were not applied to the outstanding principal. I have spent several hours on the phone with First Bank trying to resolve this and no one seems to understand what happened. 
FYI, the XX/XX/XXXX payment that is shown on the attachment is NOT a new payment. This is the XXXX payment that are now applying on XXXX. The XX/XX/XXXX payment was made to XXXX XXXX XXXX, the new servicer.
Consumer complaint received 2019-03-04
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. (CA)

I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

XXXXXXXX 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 2024-02-20
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. (NY)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : 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 2023-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (CA)

While reviewing my credit report I noticed a collection account from americollect. The company I assume to believe is a healthcare facility renown health. I have never been there before I live in California and this facility is in another state. I believe this is identity theft and would like this account removed from my credit report immediately.
Consumer complaint received 2021-03-31
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-05-29
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. (TX)

XXXX  XXXX XXXX FTC VIOLATION AS STATED : A mortgage servicing subsidiary of XXXX  XXXX XXXX XXXX agreed to settle Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTCXXXX XXXX, 2012 the FTC 's multi-million dollar settlement with XXXX  XXXX XXXX ... federal, and local government, have violated my civil rights as well as the ... 


WOULD YOU PAY A CIVIL VIOLATION
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-29
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE DELETED IMMEDIATELY.
Consumer complaint received 2023-06-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I submitted a direct deposit to chase on XX/XX/XXXX. It was a check issued by my employer the XXXX XXXX XXXX  The money was sent to them directly and they have the money. They said that they cant verify my check because they dont have a number and the number provided isnt in their system. I asked them and they called the state controllers office who gave them a number directly to the chp and they wont call it. They have my check sitting in suspense they already have the money deposited and wont release my funds. They said they cant verify my check but wont release it til its verified. I have gone in and talked to XXXX XXXX the vice president of the bank of chase in XXXX who verified it and their online and on the phone executive team will not release the money. XXXX. Payroll check.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

In applying to get this information removed for about the seventh time I will refused to stop trying to because of my rights. Also I have been told that the CFPB hasn't looked because of the fact that they have a XXXX who have an complain in and because of this don't repay and therefore the credit company knows this and gives the same answer and that is not right. It's not my fault nor is it the problem of everyone that has filed an complaint. This information was removed by XXXX because of the facts and therefore moved the it from their records based on the same facts i attached in the to this complaint. There's a need to assure that the consumer reporting agencies exercise their grace responsibilites with fairness impactiality and respect for consumers rights to privacy in applance with the fair credit reporting act 5611. 15. U.S.C. & 16811 states that the information must be deleted.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

. 
Remove the following inquiries immediately. 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. These are not my accounts. delete the inquiries. This is the 3rd time. Legal action will be taken.
Consumer complaint received 2022-01-13
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: Radius Global Solutions LLC (GA)

RADIUSGLOBAL ( Original Creditor : XXXX XXXX ) Account # XXXX Date XXXX Balance : {$680.00} I do not have financial obligation on this account.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation (NC)

I signed up for an Albert account on XX/XX/XXXX using a referral link. I received a {$500.00} bonus on XX/XX/XXXX per the bonus terms. The terms were to receive a direct deposit every 30 days for 90 days as well as spend {$100.00} on the debit card every 30 days. 

I referred my wife for the same {$500.00} bonus on XX/XX/XXXX after signing up, and have provided Albert with the sign up link used by her. The link is : https : //app.albrt.co/YHrnLvPrfpb. 

She has completed all of the requirements of the original terms and has not received her bonus. I have also not received my bonus per the offer terms. 

XX/XX/XXXX : My wife contacted Albert XX/XX/XXXX : They replied to my wife that there is no evidence of a referral link being used and to have the person who referred her to contact them. 

XX/XX/XXXX : I contacted Albert, they said they will look into it and thank you for the patience. The agents seem to be different each time.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2020 I received a notice from Social Security advising that my request for new user name on my account. I did not make that request. I notified them by phone that this was not done by me. I then got a call from Capital One about a credit card application. I did not make an application with them. I called them and they marked the account as fraud and advised me to notify XXXX, which I did. They noted the fraud attempts on my account and provided me with a credit report. The credit report looks correct. Today XXXX card called me about another application for credit, but they saw the fraud notice on XXXX and denied the card. They advised me to notify FTC as to this fraudulent activity in my name.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

AFTER FILING A COMPLAINT ON XXXX IN REGARDS TO THIS ON GOING ISSUE OF UNKNOWN COLLECTION ACCOUNTS, INQUIRES AND ADDRESSES REPORTING ON MY CREDIT REPORT. I HAVE REQUESTED A REINVESTIGATION AND REQUESTED A DESCRIPTION OF HOW THE INVESTIGATION WAS CONDUCTED ALONG WITH THE NAME, ADDRESS, AND TELEPHONE NUMBER OF ANYONE CONTACTED FOR INFORMATION. THIS WAS SENT ON XXXX. 

I CONTINUE TO SEE INQUIRES ON MY TRANSUNION REPORT THAT I DON'T HAVE AN ACCOUNT WITH NOR DID I AUTHORIZE OR CONSENT THE USE OF MY CREDIT FOR THOSE PURPOSES. IF YOU HAVE A CONTRACT WITH ME & THOSE COMPANIES PLEASE PROVIDE THEM. MOST ARE DUPLICATES. XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX


I ALSO CONTINUE TO SEE COLLECTION ACCOUNT OF WHICH I HAVE YET TO RECEIVE ANY SIGNED CONTRACTES I HAVE WITH THE COMPANY AS WELL AS THE COLLECTION AGENCY SHOWING PROOF THAT I OWE THEM ANY DEBT.

OPENED - XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
EMPLOYERS - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
I HAVE UPDATED ALL MY CURRENT INFORMATION AND ANY OLD INFROMATION SHOULD BE REMOVED & UPDATED.