davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

This is my Second Notice to Equifax For there Further Identity theft of Non public information thats inaccurate and been deleted XXXX and equifax In reference to XXXX  Account number XXXX XXXX I do not understand the discrimination and and defamation on top of the identity theft methods Equifax is applying to me as a consumer I have explained in the last complaint and numerous complaints before why this account should not be reporting on my consumer file But equifax continues to dishonor me and never sent me the notice of investigation properly notifying me my concerns are being investigated Which is a violation to 15 U.S. Code 1681d - Disclosure of investigative consumer reports b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than days after the date on which the request for such disclosure was received from the consumer or such report was requested, whichever is the later 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notiWcation of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


I never received any notice of investigation in the mail And to cap off This Further discrimination of equifax towards me Equifax has supposedly Responded To my XX/XX/XXXX cfpb Dispute referring to XXXX XXXX accounts that has nothing to do with that cfpb complaint that addressed Equifax aggravated identity theft on reporting of XXXX account XXXX XXXX So as my Second notice to equifax I am still Charging XXXX dollars each day this Non public and inaccurate information is still on my report I am giving equifax ten days to remove information off Report Or the next step I will be filing a identity theft report and submit a complaint to the Federal Trade commission and XXXX XXXX XXXX And United States congress I have attached documents below showing the Cfpb complaint That was supposed to be investigated Along with the XXXX  account I am referring to
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 — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much.
Consumer complaint received 2020-11-20
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: I.C. System, Inc. (TX)

On XX/XX/2020, I C System added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, I C System has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (TX)

on this date company opened a collection account : ENHANCED RECOVERY COMPAN {$740.00} ( XX/XX/2021 ) & {$420.00} ( XX/XX/2021 ) I have never written any written document saying that i owe debt to the collector. 
They are violating my rigths of the FCRA as a consumer. 


i do not know who they are and have not written consent from my end. 

Also, they have NOT verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Consumer complaint received 2021-11-03
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. (IL)

MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 

requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records. 

THESE ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} # XXXX {$2400.00} # XXXX {$1500.00} # XXXX {$1400.00} # XXXX {$92.00} # XXXX {$680.00} # XXXX {$520.00}
Consumer complaint received 2021-11-29
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX
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. (GA)

These accounts are reporting inaccurate on my report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax, XXXX, XXXX XXXX XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX, XXXX
Consumer complaint received 2024-02-19
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Leap Credit, LLC (MO)

Hi XXXX, this is XXXX from Leap. Your account is behind, let 's discuss it and find a solution. Can we schedule a quick call? - XXXX XXXX ( XXXX ) XXXX For the past XXXX weeks, I have been requesting the necessary and relevant documentation regarding the alleged debt, dating back to its inception. Additionally, I have asked for a mailing address from the party in question, all of which have been met with refusal. 

Furthermore, I have persistently sought to engage with a supervisor for a period of XXXX weeks, yet my requests to speak with one have been consistently denied.
Consumer complaint received 2022-08-06
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. (MD)

I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ascend Consumer Finance, Inc. (OH)

My employer recently requested a background report for employment. I received an email yesterday ( XX/XX/2020 ) from a compliance company with a copy of the report giving your website to contact. On the report it specifically says that it is searching information from the past 7 years. Records thqaaat appear on the report are dated from more than 7 years ago, yet was flagged as a discrepancy and I recently lost my employment due to this. There is also minor items on the record that the dates are incorrect. I am a single mother and just recently received a promotion from my assignment and just finished my training for my new position when the Temp service terminated my employment. I would very much like to dispute the information on the report. If you could please provide me information on how to go about doing so, I would really appreciate it, I understand you receive a lot of complaints daily, but I would really appreciate the possibility of continuing with my employment assignment and promotion.
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a Kohl 's credit account. After making payment, there was a credit of {$25.00}. Which was indicated on my next statement. Since then we have received XXXX statements that say " your account has a credit balance. You may apply this against future purchases or we will automatically send you a refund check within XXXX days. '' We never received a refund check so we called and were told by rep. that it is not XXXX days. To which it is already that too. Even though this issue is not affecting our credit, it is very frustrating as a consumer that if we do this we are charged a penalty wherein they can take as long as they want to send the refund even though it is stated XXXX days.
Consumer complaint received 2022-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS DISCHARGED IN A XXXX XXXX XXXX IN XXXX
Consumer complaint received 2017-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I currently have a home mortgage that is serviced  by Ocwen s ince around  XXXX   XXXX .     For the second time ( in as many years ),  Ocwen ha s declared that I do n't have the required flood insurance coverage for my home ( I live in a  XXXX  area so  XXXX  Florida ) and sent me correspondence that they plan to purchase flood insurance unless I can provide them with proof of existing coverage.     My homeowners insurance is a comprehensive policy that includes flood insurance and this is clearly stated on the declaration page. My wife and I spent weeks last year educatin g Ocwen  about our  XXXX  policy and had to escalate their lack of understanding through many layers  of Ocwen m anagement before we were able to get them to admit their error ( in writing ) and stop them from purchasing flood coverage ( at an exorbitant cost AND significant profit for   Ocwen ).
Unfortunately, it appears that there was zero learning within Ocwen as I received a demand letter from Ocwen tod  ay (  XXXX  ) stating that I am again missing flood insurance and that they planned to purchase the required coverage unless I could demonstrate coverage. My  XXXX  homeowners policy   is exactly the same policy as last year ( same company and agent as last year ). My strong belief is that Ocwen uses this process ( claiming missing insurance coverage when it is in fact in place ) to generate significant additional revenue for them.
By the way, in the ~14 months that Ocwen has been servicing my loan ; this is the third major error on their part. They are just terrible at doing their jobs.
Consumer complaint received 2020-12-08
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. (FL)

IVE HAD THE CHANCE TO REVIEW MY CREDIT REPORT AND I STUMBLED UPON A FEW ACCOUNTS THAT ARE REPORTING AS DEROGATORIES. THIS HAS CAUSE MY CREDIT SCORE TO DEOP TREMENDOUSLY. IT IS NOT FAIR TO ME BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL FILE. I HAVE NO KNOWLEDGE THOSE INACCURATE FILES AND I AM REQUESTING A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2020-11-09
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. (FL)

There is an account showing on mine and my husband 's report that is not correct. It's XXXX XXXX XXXX XXXX. We have disputed it with the bureaus and it still hasn't been resolved. They are showing the account charged off many years ago but has a balance of {$220.00} and a past due balance of {$1100.00} how in the world is that possible? There was no investigation otherwise this thing would be lined up.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (NC)

I have an indigo credit card that was with genesis card services when I originally opened the account. However, since they have switched to Concora Credit I have been having issues with my card balance. Most recently it seems to have gotten worse. I made an {$80.00} payment XX/XX/XXXX. When I made the payment the balance was at {$290.00}. I called XX/XX/XXXX because the payment hadnt reflected to the account, I was told the payment takes XXXX business days to process and reflect to my account.. it has been over XXXX business days and the balance still has not reflected my payment. Now today XX/XX/XXXX I check my account to see if it had reflected and now the balance is somehow at {$350.00}. I have not used the card since XXXX there is no purchases from XXXX. I have called customer service multiple times and the only response I ever receive is I apologize for the inconvenience this is starting to affect my credit score as it has now been two months that the balance is over limit. It seems that there is fraudulent charges or the company is reporting incorrect balances.
Consumer complaint received 2020-12-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I review a current copy of my credit report and I show inaccurate information listed on my credit report. I sent dispute to request verification of account and have not received and dispute updates per FCRA. this creditor XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) is showing as a charge off on my credit report and reporting a balance due in the amount of {$480.00}. Per the FRCA and FDCPA no charged off account can list an amount in balance on any credit report. It must show a balance of {$0.00}. below is the creditor information. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance showing : {$480.00} which is inaccurate credit reporting information.
Consumer complaint received 2015-08-25
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Onity Group Inc. (NC)

On XX/XX/XXXX I disputed this account with the credit bureaus because I discovered that they were reporting late payments after bankruptcy - please see attached. I also sent them a certified letter regarding this. When the results came back nothing had changed and they completely ignored my letter. This company acquired the account from American Home Mortgage. The account was in bankruptcy from XX/XX/XXXX until XX/XX/XXXX, yet they reported late payment activity during that time. It is unlawful to report an account that is included in bankruptcy. The bankruptcy did not discharge until XX/XX/XXXX so WHY did they report these late payments?
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

My business was approved for a credit card issued by Capital One. When it was approved i specifically asked the rep if this card balance will be reported to personal credit bureau/s. The agent re-assured me because this is a business card they do n't report ... ..Liers!!!!! 
This morning a received notification from my " score watch app '' about some serious changes in my score. It went down XXXX points!!! : ( I was doing all i can to improve it for a house purchase. As you know lenders do discriminate based on credit score. 
They lied to me. My score is down. Lender will punish me with higher rate and worse terms.
Consumer complaint received 2022-08-13
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. (TX)

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The following account ( s ) exceeds more than seven years ; which violates the statutory time period under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ) from the date of its alleged delinquency, and should be removed IMMEDIATELY. In addition, XXXX XXXXXXXX XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : XXXX XXXX  XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$290.00} Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ), the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-08
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: CITIZENS FINANCIAL GROUP, INC. (SC)

There are unknown hard inquiries on my credit report per XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIZENS ONE AUTO F, on XX/XX/2020, XXXX  XXXX  and XXXX XXXX XX/XX/XXXXS add a hard inquiry. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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. (TX)

I tried to get my previous held student loans from XXXX removed from my report. I had other XXXX loans that were removed after I applied for the XXXX XXXX program like they were supposed to be. Somehow XXXX XXXX loans remain on my credit report even though all my loans were sold to XXXX and XXXX are in good standing. I have disputed this information twice to no avail. They refuse to remove it.
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to AMEND or RESOLVE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX