davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
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. (PA)

I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last 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 account is still on my reports. Therefore, Equifax 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 account that is still reporting on my accounts and needs to report the payment status positive and update all late from reporting on this account : XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2022-09-30
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawXXXX XXXXXXXX Date Opened : XX/XX/06 Balance : {$0.00} XXXX
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For XXXX, XXXX and Trans Union Correctly reporting individual and total credit limit and balance figures for revolving accounts.

However, falsely reporting utilization ratios for totals as 100 % when well under 50 %, in turn causing false credit score reporting.
Consumer complaint received 2021-12-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

I entered into a COVID-19 JOB LOSS forbearance program with US Bank XXXX that began in XX/XX/2021. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX or XXXX. Over the six ( 6 ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( 5th ) month so US Bank could determine my options. 
In late XX/XX/2021 I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/2051 First monthly mortgage payment due : XX/XX/2021 XXXX payment was made : {$860.00}, with {$130.00} additional principal = {$1000.00} Note : There is no lien on the property at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation given, other than, I would have to reapply.
Consumer complaint received 2021-10-22
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Certegy Holdings, LLC (WA)

On XX/XX/XXXX at XXXX XXXX., I was shopping at the local XXXX XXXX store, located at XXXX XXXX XXXX XXXX, XXXX, Washington, XXXX. Usually when I shop at the store, I use my debit card to pay for my purchases, but occasionally, I write a check from our XXXX XXXX account, also located in XXXX, Washington. I have never before had a problem with writing a check and have been shopping there since the store was built in XXXX of XXXX. On this particular day, my check was declined. I was told that I needed to use another form of payment. I ended up using my debit card to pay for my {$300.00} in purchases, which I did not want to do as the person directly ahead of me in line had a severe XXXX  or XXXX and sneezed all over the card reader. When I asked the clerk why, they said that they used the company XXXX to verify if a check is acceptable or not and that I could call the company directly by using the phone number listed on the receipt to find out why. 

I tried several times to speak to a human but got nowhere. It was an automated service that directed you to submit a request for your information on file to be sent to you, but no information was given as to how to find out specifics or to have errors corrected. The grocery receipt printout stated the following : Date XX/XX/XXXX, Time : XXXX, Check amount {$300.00}, Reference # XXXX, XXXX  XXXX # XXXX, check # XXXX, We are sorry, but we are unable to proceed with your transaction. Our decision was based in whole or in part on information obtained from Certegy Check Services , Inc. Certegy provides authentication and risk management services to merchants and businesses nationwide. Certegy did not make the decision to take the adverse action and is unable to tell you the specific reasons why the adverse action was taken by us. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your information held in Certegy 's file, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information in Certegy 's file is inaccurate or incomplete, you have the right to dispute it with Certegy. You may reach Certegy at XXXX : toll free at XXXX, or write to Certegy Check Services , Inc. XXXX XXXX XXXX, XXXX, XXXX. 

We have used the same XXXX XXXX  for a number of years, have maintained several thousand dollars in it for a number of months, have not ever been late on any payment, credit cards are for the most part paid off monthly, our home mortgage is paid off, we have a stable income, my XXXX score is over XXXX, and I recently inherited my fathers estate, which is substantial. I can not for the life of me understand why my check was declined. Any help with this would be very much appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cell phone : XXXX Email : XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have been a victim of the XXXX breach and will like to have this accounts remove immediately XXXX XXXX XXXX - Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely
Consumer complaint received 2021-12-31
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. (AZ)

What happened? 
XX/XX/2021, I filed a complaint with the CFPB that 2 years ago Equifax dropped my credit from XXXX which corresponded with Equifax XXXX losing '' several active lines that the other two major credit companies ( XXXX and XXXX XXXX have a record of. Equifax responded to CFPB complaint on XX/XX/2021 Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. '' CFPB XX/XX/2021 closed my complaint with Equifax " status-company responded on XX/XX/2021. '' To my knowledge, Equifax has done nothing to correct Equifaxs " thin file '' credit line deficiencies. 
I have sent several certified letters over the past 1 1/2 years to try to have Equifax correct their " thin file ' i.e. listing only two active sources of credit and ignoring the multiple other satisfactory credit lines maintained by me that the other two major credit companies ( XXXX and XXXX ) have a record of. I can find no way to resolve this issue with Equifax. I have sent Equifax copies of my active mortgage which they ignore. I have sent Equifax other credit files which Equifax ignores. My suspicion is I am talking to a computer and all responses regarding my situation is computer-generated with pre-canned responses.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX and XX/XX/XXXX I had Request and Send TwiceTo XXXX and EQUIFAX Credit report To Update My Personal Information, Because the Information and Address they have are incorrect. I have only one Address, one Name, one SS #, one Phone #, one Employer But XXXX Refused To update My INFO, They have Address in my File that I never Live in and Never Knew About. I Have Sent All MY Documents To Them, all I need for them To Remove Those Addresses include po box and They refused To Because Post Office will never deliver To Inaccurate Address. 

I Had Sent Them Everything CERTIFIED MAIL
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-12-31
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: LEXISNEXIS (MI)

Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As XXXX, And XXXX are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy Case Number : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies XXXX, and XXXX has claimed the public record, XXXX XXXX bankruptcy was verified by a company named LEXISNEXIS. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, LEXISNEXIS agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies XXXX, and XXXX over and over with DOCUMENTATION stating the XXXX XXXX  bankruptcy is not verified by LEXISNEXIS, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

XXXX and XXXX are disregarding my documents from LexisNexis, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. XXXX and XXXX are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to XXXX and XXXX continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies XXXX and XXXX needs to stop giving me and LexisNexis a hard time disputing the bankruptcy.
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (HI)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (NE)

Hello, I have disputed a hard inquiry made on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX phone number XXXX via chat message with XXXX XXXX directly who redirected me to XXXX via phone number XXXX who then rerouted me to their credit card fraud/ identity theft line which does not allow the reporting of identity theft or fraudulent activity. I also disputed this incident directly with Equifax as it is the reporting credit agency that presented the information to me. The dispute was determined to be verfied by the creditor without ever contacting me even though a freeze was placed on my credit as well as a fraud alert. Other credit reporting agencies were able to process my dispute and come to a decision to delete the hard inquiry from my credit report as the individuals behind them attempted to open several accounts and to secure several personal loans in my name on the same day. Equifax and XXXX need to do a better job of verifying an individual applying for credit and also for resolving disputes.
Consumer complaint received 2021-10-22
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: JPMORGAN CHASE & CO. (NJ)

XX/XX/2021 1 ) XXXX XXXX ( XXXX  ) 2 ) JPMCB Auto Finance ( bank ) 3 ) XXXX XXXX XXXX XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.
Consumer complaint received 2022-09-30
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Consumer complaint received 2021-12-31
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: EQUIFAX, INC. (IA)

Request for VALIDATION, NOT Verification XXXX XXXX XXXX, 2021 XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

my house was damaged by a tornado on XX/XX/XXXX. 
i sent my insurance settlement check in the amount of {$100000.00} next day air on XXXX to my mortgage company, Flagstar Bank, which received it on XXXX. copies of paid receipts for repairs which had already been completed including a roof replacement, as well as required deposits to order items including 3 windows, garage doors, and a fence, plus the bills to remove trees from my attic, driveway, fence and swimming pool. i received a phone call on XX/XX/XXXX informing me that my check for the first installment would be mailed on the following wed. On monday i called to confirm that was still the plan and to inquire why certain items which had been marked as received and accepted were now reported as inactive. i was told i need a new repair affidavit because the notary did not date it. ( He did but not to their satisfaction ) i was told if i faxed it to a supervisor 's fax rather than the general fax number or emailed it that day the check could be issued by the end of the day. It was faxed and emailed but not until the afternoon and when i called to speak to the supervisor at flagstar, she was no longer available and did not call back. the following day it was sent again. calls were made in an effort to speak to her but again not returned. the next day the mortgage was refinanced with rocket mortgage and flagstar told me they would no longer release any money and it would be 30 days before the funds transferred to rocket mortgage. the customer service representatives at flagstar were unwilling to explain why they could not release the initial XXXX or why it would take another month before they would send the proceeds to the new mortgage holder. the only answer provided was repeating that it takes 30 days even though their website already reflects the payoff and XXXX balance. once again no supervisor was available to talk to me and no supervisor called back. the insurance company can not help since the check was already cashed. XXXX  XXXX  can not help because they haven't officially been told the funds even exist.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I have been through this same issue with XXXX and several collection agencies and the debt is removed then it is transferred to another collection agency. I have never done business with XXXX or any of it's affiliates. I don't owe any collection agencies on behalf of XXXX. I have never provided any of my personal information such as social security number, name, date of birth etc. to XXXX. I have never conducted busines with XXXX or I.C. Systems. I received a letter from I.C. Systems trying to collect a debt on behalf of XXXX which I don't owe. I have never done busines with I.C. Systems or XXXX. I would like this account closed and I don't want to be contacted by XXXX or any of its affiliates or any collection agencies on behalf of XXXX. As I have stated I have been through this several times and I am starting to consider this harrassment.