davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc. (TX)

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. 

If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 


COMPLETE CREDIT SOLUTION - XXXX Not my account COMPLETE CREDIT SOLUTION - XXXX Not my account
Consumer complaint received 2024-02-19
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. (TX)

On XX/XX/XXXX I mailed a letter to XXXX and Equifax disputing the validity of XXXX XXXX collecting on an alleged debt of {$1100.00}. I requested for an investigation and documentation detailing alleged debt and written communication from XXXX XXXX. On XX/XX/XXXX I received an email from Equifax that the Portfolio Recovery A was updated as a new open account established on XX/XX/XXXX with 120 days late payment with no documentation to support claim. The erroneous information has impacted my score negatively. I have tried several time with Equifax to correct this erroneous report and have been unsuccessful.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (OR)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 60 days days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (SC)

Upon turning over my mortgage from the originating bank to LoanCare, I advised and provided them with documents showing that the Homeowners and Property taxes had been paid, up front and in full. I asked that they remove the escrow whereas they provided me with steps that I needed to perform to begin the process. I followed their steps, providing them with their compliance and they still continued to collect escrow. Every one of the 32 phone calls leading up to this day, their agents gave me a textbook response that there is a cycle and it will be deleted within 5-7 business days. Well, I call every five-seven days and with each call they tell me it is in process and I continue to send to them copies of the paid taxes and Homeowners insurance for the years XXXX and XXXX. They leave me on hold in excess of 90 minutes, they bounce me from escrow to insurance and insurance to escrow. I have requested management and they will not escalate. No one is ever available and no one ever calls me back. Time was of the essence because I needed to make sure they are not paying out what has been paid and what do I receive in the mail, a notification that they have indeed paid out again. I have not received my monies that they collected for escrow even though I provided them with payment receipts. The insurance company even advised them personally on 4 occasions that they were in receipt of full payment for XXXX and XXXX. I want off of this merry-go-round and for someone to intervene so that the escrow is removed as I requested in excess of 32 phone conversations. They assured me it has been in process for the past year. This is unethical, I want my money returned and the escrow removed and they be accountable for this misjustice.
Consumer complaint received 2024-02-19
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. (NY)

My credit score with only this Equifax drops 40 points for no reason. 

The only thing that changes is an inquiry dropped of my report. I have no negative reportings on my accounts? 

This happened before in XXXX of 2023 and no explaination is provided by Equifax.
Consumer complaint received 2024-02-19
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. (GA)

I am writing to dispute the following inquiries. I did not owe this debt and it does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2020-05-16
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. (MI)

I have submitted several factual disputes regarding an account that is appearing on my credit report, and have not receiving documentation that was requested showing a contract between myself and XXXX XXXX XXXX from neither Equifax or XXXX. This account has been deleted off my XXXX Credit Report and I believe that both Equifax and XXXX should remove it as well because I have not received documentation that was requested showing that there was a contract.
Consumer complaint received 2024-02-19
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 am writing to dispute the accuracy of the XXXX XXXX account appearing on my Equifax credit report with I have never opened an account with XXXX XXXX and have no knowledge of this debt. I believe this account is the result of either identity theft or mistaken identity. 

I contacted XXXX XXXX directly and requested proof of a signed contract for this account. As of XXXX I have not received any documentation or response from the company, nor have they removed the account from my credit report. 
Therefore, I am requesting that you immediately investigate this dispute and remove the XXXX XXXX account from my Equifax credit report. Please note that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please find attached copies of my communication with XXXX XXXX as supporting documentation. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that the disputed account has been removed from my report. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-01
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. (SC)

I have contacted Transunion several times about fraudulent accounts and information on my credit report due to me being a victim of identity theft. They have not acted in compliance to the Fair credit reporting act 605 b which sates that any fraudulent information resulting from fraud should be blocked and removed immediately.
Consumer complaint received 2020-07-01
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. (SC)

I have contacted Experian several times about fraudulent accounts and information on my credit report due to me being a victim of identity theft. They have not acted in compliance to the Fair credit reporting act 605 b which sates that any fraudulent information resulting from fraud should be blocked and removed immediately.
Consumer complaint received 2024-02-19
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. (OH)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I submitted a generic complaint to Clarity late yesterday asking if there was a consumer report for myself. I called this morning and was able to have a very good conversation with the representative - apologies I forgot his name. Anyhow, I was able to find out what was needed to verify my identity. I will submit it here and await a copy of my report to be mailed to myself. 
Please also freeze my account and place a permanent opt out on the file.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX, Equifax, and XXXX credit reporting agencies are reporting inaccurate information in regards to late payment marks and derogatory remarks in comment section on my reports and I need the late marks removed or corrected to paid as agreed because it is affecting me purchasing my home. my rating of 99 % on time payment history has now dropped because of these inconsistencies in reporting. I am also requesting that the credit reporting agencies are consistent in what all XXXX report as far as my account behavior is concerned. I file disputes with all XXXX reporting agencies to remove all negative and derogatory remarks from my report seeing how I have no collections on record, no past due payments on accounts and no missed payments on my reported accounts. The comments and derogatory remarks listed DO NOT MATCH MY ACTUAL CONSUMER BEHAVIOR please advise them to correct and address the issues at hand because again it is affecting me purchasing my home right now. Thanks in advance concerning these complaints
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

Dear XXXX, I am writing to dispute an inaccurate entry on my Equifax credit report. There is an accounts both listed under the name " XXXX XXXX XXXX '' in the amount of {$480.00} and another in the amount {$520.00} that I do not recognize. I have never entered into any agreement with this company and have no knowledge of this purported debt. 
Therefore, I request that you immediately remove the XXXX XXXX XXXX account from my credit report. Please note that I am making this request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, I request the following : Complete removal of the XXXX XXXX XXXX account from my credit report. 
Verification from XXXX XXXX XXXX that they have no record of any agreement or debt associated with me. 
Please note that I am not providing any proof at this time under the doctrine of estoppel by silence established in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. This allows me to presume that no proof of the alleged debt exists since XXXX XXXX XXXX has not provided any upon my request. 
I have enclosed a copy of my Equifax credit report highlighting the disputed account for your reference. I encourage you to thoroughly investigate this matter and take prompt action to resolve it. 
Please contact me at ( XXXX ) XXXX or XXXX if you require any further information. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (CA)

XXXX XX/XX/2021 USCB AMERICA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX To whom it may concern USCB AMERICA Has failed to respond to my debt validation request. 
They are in violation of FDCPA laws by not contacting me through mail per my request. 

They have been harassing me plus they have recently put an inaccurate non validated debt on my credit report that I was never aware of. 

I have filed a complaint with the consumer financial protection bureau as well as the XXXX XXXX XXXX.I have contacted my lawyers they will also be sending you letters to take this matter to court because they are violating HIPAA law I have contacted USCB America and it has been 30 days. I have contacted this agency on 3 occasions and I have not received anything in the mail to validate this debt. 



Sincerely, XXXX XXXX
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

Hello, I have Apple card, it is issued by Goldman Sacks.

2 weeks ago, on XXXX os XXXX, Apple put restrictions to my card and did not explain anything. they do not allow any transactions, and I got several subscription services in jeopardy because of non-payment. my credit score is XXXX. 

I chatted with apple card support several times and tried to get any information about what is going on - they ignore me. they only write " we investigate the matter ''. I paid in full before the monthly statement to avoid any hassle and decided to close this account out. 

They never responded what kind of matter they investigate, and worse - they do not allow me to close my account out. 

two days ago XXXX refunded XXXX USD to this card and current balance is negative, technically, they owe me money, but they ignore me anyway. they do not respond to chat, they do not provide a call number for a call and they keep my money. 

I want to get rid of this nonsense card, but they do not allow me to close it, although it is they who owe me money. 

Apple card is a fraud.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-19
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 am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX - Account XXXX Please remove it from my credit report. 

XXXX - Account XXXX Please investigate and delete it from my credit report.