davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (TN)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE INQUIRIES FROM THE FOLLOWING CREDITORS 1XXXX 2.XXXX XXXX  3XXXX XXXX 4.XXXX XXXX 5.XXXX  XXXX 7XXXX XXXX 8.XXXX  9.XXXX/XXXX  10.XXXX 11.XXXX XXXX 12.XXXX  DBA XXXX  13.XXXX XXXX XXXX  14.XXXX 15XXXX XXXX  XXXX 16.XXXX XXXX 17XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (GA)

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : Here are the companies and dates of occurrences : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX 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 Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX These inquires were never authorized by me and there appears to have been some sort of fraudulent activity. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries by the same companies again and again have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX prior to leaving town, I did my mobile deposit to pay bills as i have done over and over for 2 years. I received a TEXT as always that confirmed my {$10000.00} was deposited and {$8000.00} in bills were scheduled tfor Friday XX/XX/XXXX. No other communication was given, and I discovered this in error - and then panic! 

I was panicked and called 800 # - just to be told by " XXXX '' and then her supv " XXXX '' for 33 minutes that nothing could be done. I was read the policy several times and neither of these reps listened to the logic, or even dug in to see this is the same check for 2 years - then in addition i NEVER got a text saying magically your money is not NOT YOURS after 2 years of taking this deposit mobile over and over again. 

I in a panic had to find {$10000.00} and pulled from a suntrust credit card to simply quickly cover my expenses- this is a horrible feeling and zero support from truist - nothing at all about my panic or the financial impact to me if ALL OF THOSE BILLS were returned - i now have an advance fee of {$400.00} and i do not believe i need to pay this huge financial penalty to fix what truist refused to resolve!!! 

I was also told that a new Truist policy was implemented on holds after merger was complete, so i would have to deal with it- are you kidding me???
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (NY)

I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX also this account : US DEPT ED XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We applied for a mortgage on Friday. Monday morning we are getting 10 calls an hour soliciting us for mortgages. One company was XXXX XXXX. He told us he got our information from TransUnion. How is it legal that TransUnion so mod our name and cell phone to other brokers? 
We called TransUnion and spoke to the supervisor in charge at a call center and he was completely unhelpful. All he kept saying was that we should purchase credit watch services to protect us against leakage of our credit information. It was infuriating as we were told it was TransUnion that leaked it. He could not understand why were upset and we ended the call with no resolution, instead filing this complaint.
Consumer complaint received 2022-08-08
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. (GA)

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  Accounts XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is a follow-up on complaint XXXX in which Equifax claims an erroneous record on my credit report doesn't exist. The account XXXX XXXX XXXX XXXXE XXXX still exists on my credit file with Equifax as of XX/XX/2022, I verified this using my.equifax.com. This account is over seven years old and needs to be deleted immediately. Equifax refuses to respond to disputes. XXXX and XXXX already deleted this months ago.
Consumer complaint received 2022-08-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I was laid off from my employer on XX/XX/XXXX. I struggled to find employment and was on Unemployment Benefits from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX my mortgage company, XXXX offered assistance due to COVID. I explained to them that I had lost my job an was starting to struggle to make payments. They offered me a forbearance or deferment, not certain on the verbiage. However, the option was that I can defer my mortgage payment 6 to 12 months due to COVID. Afterwards, if I am still struggling there would be other options or they had other options I could take advantage once the deferment ends. The options were payment modification or they would move what I owe to the end of the note and I would maintain my regular payments. I took advantage of the 9 month deferment and when I spoke to them in XX/XX/XXXX, I told them I found employment and would like to move my payment to the end of the note. XXXX recommended since I just started and my status is a XXXX, that I extend the deferment for the full 12 months to allow me to get caught up. I agreed to those terms and during this period my loan was sold to Select Portfolio Servicing. Once I received communication my mortgage was with them I proceed to call them weekly, Each time they notified me they did not have all my records from XXXX. I told them about my situation and wanted to ensure that I would be able to maintain my normal payments and move my past due to the end of the note as promised as an option with XXXX. I spoke with SPS last month and advised them I had my payment pending for XX/XX/XXXX as promised to continue my payments. They informed me that I would have to take a survey to proceed further, they ask 3 questions, 1 if I am still experiencing a hardship, I stated no, 2 if I am able to bring the account current by paying the past due amounts, I stated no, 3 if I am able to maintain my normal payments, I advised Yes, they told me it would take a couple of weeks and I do not have to make any payments because I am under forbearance still, however I did not cancel my scheduled payment. This weekend I received a letter that I am possible foreclosure unless I enter a payment modification loan and make XXXX payments by XX/XX/XXXX. Each time I called no one was able to tell me anything about my situation. I called SPS on Saturday XXXX and now they are stating they need to research my situation. I advised them how if they do not have all my information from XXXX, SPS is trying to put me on a new hardship plan that I did not agree to and are threating me of foreclosure. Can someone please get to the bottom of this, I do not want to lose my home because the lack of documentation from XXXX and their negligence to inform the new servicer.
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX of XXXX California, has violated my rights. 

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
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (SC)

Equifax are furnishing inaccurate information on my credit report Ive never gave my consent to any of this information that is reported due to 15 USC 1681i A Equifax did a investigation on the information & still havent deleted the information that not my accurate information The 3 names reporting on my Equifax report is inaccurate & must be deleted Address are reporting to my account where I have never lived XXXX XXXX XXXX XXXX loan the account is inaccurate & missing information that its paid in full XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX is a account that should be deleted I never gave my consent to this information or this account at all If the information is inaccurate I demand that Equifax deleted the inaccurate information from my account thats discrimination
Consumer complaint received 2022-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (KY)

Have proof the Company was fraudulently denying my claim for a modification saying that my documents were incorrect or not received when I have proof that they were and truth is they can not view my documents because I was a former employee of the bank and so their fraudulent method did not apply or work therefore they were exposed the downside of this is that I'm about to lose my home and they are strong arming me even more to this day. I need help and someone to be on the up and up in this crazy corrupt scenario I was in a XXXX XXXX XXXX XXXX  passenger that left me with a XXXX XXXX XXXX and XXXX XXXX XXXX XXXXk yet Pnc told me it did not sound like I had a XXXX XXXX and in on my deferment and my modification and continued to claim they did not receive my paperwork and this whirlwind of a joke as they try to steal my equity per two different attorneys after review
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX, account # XXXX, have violated my rights. 

15 U.S.C. 1681 602 A states I have a right to privacy.

15 U.S.C. 1681 604 A, section 2 states a consumer reporting agency can not furnish an account without written instructions of the consumer to whom it relates.

15 U.S.C. 166B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (ID)

This card has been paid off and I thought since I don't use it anymore, that it would be closed or at least remain a XXXX balance. I don't even have the credit card anymore! I keep getting delinquent notices and statements showing balances and late fees. I've tried calling the phone numbers listed on all correspondence to talk with someone and each time after I enter the credit card number from my statement, the message comes on " we are experiencing technical difficulties '' ( or something to that affect with those similar words ), and the call hangs up on me. I've tried calling another number, and the call just drops. I just found a way to email them today and have done so, only to find out the the email form, though it stated it was their company, it was actually some website called " XXXX XXXX ''. 

Anyhow, this has been going on since XX/XX/2022 and I can not get this resolved with them directly. I'm beginning to think this is just a scam in order for me to call in to " pay your bill by phone '', to give them another payment method so they have my other account information. I won't do it! 

I need this resolved and removed from my credit report.
Consumer complaint received 2022-06-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

This involves all 3 bureaus ( Equifax, XXXX, and XXXX ) as well as the furnisher of inaccurate information ( XXXX XXXX XXXX  ) On numerous occasions, I have filed disputes with all 3 bureaus listed regarding the inaccurate reporting of an account that is not mine. 

XXXX XXXX XXXX  XXXX I have asked for this account to be removed, yet it was inaccurately verified as accurate on all occasions and remains on all 3 reports.

It is not possible for any of the 3 bureaus to report this account accurately when each one has reported discrepancies with the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Status, and last Payment. I will attach proof of these reporting discrepancies. This alone is grounds for removal I must also point out that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to XXXX, XXXX, or Equifax ( consumer reporting agencies by definition ) to report this inaccurate account.
Consumer complaint received 2024-10-29
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. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2022-08-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am responding to complaint number XXXX Experian you are not reading what I am asking you to do! I am not asking you to verify any information or validate information with XXXX XXXX. STOP SENDING XXXX XXXX VERIFICATION, BECAUSE I AM NOT ASKING YOU TO VERIFY ANY INFORMATION WITH XXXX XXXX! I HAVE ALREADY REQUEST FOR VALIDATION FROM XXXX, THEY SENT ME A LETTER AND STATEMENTS SHOWING THAT THEY HAVE PURCHASE THE DEBT! I AM ADVISING YOU EXPERIAN ACCORDING TO CFPB 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.34 Notice for validation of debts.

( b ) Definitions. For purposes of this section : ( 3 ) Itemization date means any one of the following five reference dates for which a debt collector can ascertain the amount of the debt : ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 

YOU MUST DELTE NOW!
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2023-01-12
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (IL)

XXXX XXXX SERVICES XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 FIRST XXXX BANK XX/XX/2022 CAPITAL XXXX NA XX/XX/2022