davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Independent Recovery Resources, Inc. (NY)

I have sent a debt validation letter on XX/XX/2021 to the company Independent Recovery Resources , inc. and the company has failed to validate my debt. Instead they sent a list of my medical records which i know is a direct violation of HIPPAA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

Company phone number XXXX XXXX XXXX
Consumer complaint received 2016-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that US Department of Education reported a late payment regarding my account XXXX I am requesting that this late payment be assessed for accuracy. 
I believe this reporting is incorrect because I 've received payment summary for the last 5 years enclosed. I have included the documentation to prove that I made payments during this time / that my loans were in forbearance/deferment and did n't require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank You. XXXX XXXX Loan Account # XXXX Loan Account # XXXX Correspondence Address Sallie Mae XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (AR)

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have had a severely detrimental impact on my financial standing and have caused significant distress. 

I have diligently followed your company 's established procedures for reporting fraudulent activity, provided all requested documentation, and submitted detailed explanations of the discrepancies. However, despite my best efforts, these fraudulent items remain on my credit report. 

I want to emphasize that I have acted responsibly and in good faith throughout this process. I have promptly reported any suspicious activity, cooperated fully with your company 's investigation requests, and taken every possible step to protect my financial reputation. 

I am formally requesting the following actions to be taken as a matter of urgency : A comprehensive and thorough investigation into the fraudulent items on my credit report to establish their inaccuracy and fraudulent nature. 
Immediate removal of the fraudulent items from my credit report. 
A written confirmation of the resolution, including the date when the fraudulent items were removed. 
An apology for the undue stress and financial harm caused by the presence of these fraudulent entries on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors. It is my firm belief that addressing and rectifying these fraudulent items is not only in my best interest but also essential for upholding the integrity of the credit reporting system. 


I sincerely hope that such measures will not be necessary and trust that your company will act swiftly to rectify this situation. I am asking for your assisstance to remove these fraud items in my credit file : 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 2021-05-19
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file .The items i need deleted are listed in the report. i am a victim of identity theft and did not make the charge .I ask that the items be deleted to correct my credit report. i reported the theft of my identity to the Federal Trade commission and i also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit Please delete items as soon as possible
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.
Consumer complaint received 2024-02-15
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has been ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Inadequate Investigation : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

Continued Unauthorized Charges : To my dismay, the fraudulent items persist on my [ credit card/bank statement/account ], indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$2300.00XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year>.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I created a login for Transunion.com, during the signup it asked to enter credit card information, I assumed that was for verification of my person. After the login creation, everything I try to login in it wont allow me. I later noticed a charge of {$27.00} on my credit card from Transunion that I did not authorize. I downloaded their iOS application And hat provides no information to the charge of any sort. There is no contact number of any sorts. I can not log into my account thru the online portal. I googled their number and Ive been on hold over an hour.
Consumer complaint received 2024-02-15
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. (MO)

I am writing to express my deep concern and frustration regarding the persistent attempts to remove the late closed status from my account with Credit Bureaus. Despite numerous notifications and efforts to address this matter, it seems that these attempts continue unabated, causing significant inconvenience and uncertainty. 

I have diligently worked to resolve any outstanding issues associated with my account, including addressing the circumstances that led to the late closure. Through proactive communication and adherence to payment agreements, I have sought to rectify the situation and demonstrate my commitment to responsible financial management. 

However, despite my efforts, I have observed multiple instances where the late closed status has been inaccurately targeted for removal from my account. These unwarranted attempts not only misrepresent my financial history but also undermine my efforts to rebuild my credit standing and regain financial stability. 

I urge Credit Bureaus to conduct a thorough investigation into the root causes of these persistent attempts to remove the late closed status from my account. It is imperative to identify any systemic flaws or errors in your processes that may be contributing to these inaccuracies and take immediate corrective action. 

Furthermore, I request transparent communication and documentation regarding the justification for each removal attempt. 

I also seek assurance that appropriate measures will be implemented to prevent future occurrences of such inaccuracies. This includes strengthening internal controls, enhancing staff training, and implementing robust validation processes to ensure the accuracy and integrity of customer account information. 

I expect a prompt and comprehensive response to this complaint, outlining the steps that Credit Bureaus will take to address these concerns and prevent their recurrence in the future. Failure to do so will compel me to escalate this matter to relevant regulatory authorities and seek redress through legal channels. I am asking for your assisstance to remove this account in my credit file : XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (SC)

The credit reporting agency corrected the wrong name display as requested in my previous complaint but left both the inquiries, and accounts associated with the wrong name in place. If the name ca n't be verified, then all associated accounts ca n't be verified as well. in addition, they transcribed my accurate name to display backwards as well which again illustrates they are n't investigating anything this is just a exercise in violation of the fair and accurate credit act by an actor determine never to follow it.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-15
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)

It appears that my credit file has been compromised. Again, I was going through myrecords & noticed many items which do not belong to me. Since Im a stickler forresearch, I found that under section 605b of the FCRA, you are required by law toremove & block any items which are found to be fraud due to identity theft. Thedispute items do not belong to me. Im attaching the required FTC Report for youand the bank 's records. Please block/remove these items. XXXX XXXX XXXX  : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (PA)

My credit score is in the low to mid XXXX 's despite a perfect payment record.. My total debt is about 5 % of my net worth, most in XXXX securities. Why is n't my score perfect? Checking my credit reports they seem accurate - perfect payment history! No court judgements, no bankruptcy history, no unpaid debts, etc. But, it seems misleading. I pay my only credit card off in full every month, no carry over balance, but it shows a max charge vs the limit even though paid. I keep my limit low to minimize identity theft and credit theft limits. My second card is a debit card, also paid every month. I get no reply to my specific question why my score is so low so I ca n't provide the information to resolve it.
Consumer complaint received 2022-08-23
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. (PA)

In accordance with the Fair Credit Report Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the rights 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.
Consumer complaint received 2024-02-15
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. (IL)

I appreciate the efforts made to remove some of the fraudulent items from my credit file resulting from alleged fraudulent activity. However, there remain items that still require removal. Upon reviewing my latest updated personal credit report, I noticed that unauthorized credit inquiries persist. I have personally contacted these companies and requested the removal of their inquiries from my credit profile. Furthermore, I previously requested that you initiate an investigation into the inquiries listed below on my credit report to determine their legitimacy. I am confident that you will find my allegations to be true, and therefore, I request the removal of the following inquiries : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Additionally, I kindly request an updated copy of my credit report reflecting the removal of these remaining inquiries to be sent to my provided address.
Consumer complaint received 2020-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

id theft victim. these items need to be removed asap. this has affected my credit in a huge way XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I have been trying to refinance a current loan with the same credit union, the process began on XXXX/XXXX/2015 and I am still trying to close ; I have responded to all requests in a timely manner - with the exception of a request for association condo insurance coverage, which finally got resolved. I feel that I am getting the run around and I do n't know why, I am now responsible for charges of over XXXX dollars regardless if the loan is processed or not.
Consumer complaint received 2016-12-10
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1.This is regarding case number on file # XXXX & XXXX. Bank of America sent XXXX letters dated XX/XX/2016 and I received today. Per my XXXX above complaint file number, as mentioned per Bank of America and at the same time in these XXXX letters, there was returned payment. I am requesting and demand that Bank of America sent proof from bank that there is returned payment for both amount to confirmed in writing by bank that such returned was on certain date to finalize. I am attaching these XXXX letters for your record that you can investigate Bank of America of such. These will be sent via fax to you at XXXX with a cover letter. 
2. Desired resolution is that Bank of America have to get it done as requested with written letter confirming the return payment from the bank with the letterhead showing as coming from that certainspecificbank. 
3.My information have all on file with above mentioned case number. 
4.This is regarding Bank of America fraudulent adding, deleting, removing, closing account, changing numbers of balance of credit card account. 
5.I want the public to know that this is going on with the banking system within Bank of America XXXX corporate office do not answer calls and customer service calls roam around the world!!! ... minimize call center at least to where the corporate office is so that callers can be confident that it is not coming from fraudulent group of people in operation against the public and that there will be given address and phone numbers online or on the statement.
Consumer complaint received 2024-02-15
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)

I appreciate the efforts made to address some of the fraudulent items in my credit file resulting from alleged identity theft. However, there remain items that still require removal. As a victim of fraudulent activity, I am reiterating my request for the removal of these remaining items from my credit report. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that such items be removed no later than four business days following XX/XX/XXXX. I have previously raised this issue in a complaint, and I am resubmitting it here along with my new FTC Report # XXXX. I must emphasize that the information provided on these remaining items is entirely unknown to me and has already been expunged from other credit bureaus. Consequently, I harbor doubts regarding their accuracy. 
EQUIFAX : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Failure to promptly remove the listed remaining items from my credit report may necessitate legal action. My legal counsel is fully informed of my intentions, and they are prepared to hold you accountable in the event of willful noncompliance. Consider this communication as my final notice to you. I implore you to take immediate action to remove the items resulting from alleged fraudulent activity.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.