davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

I found on my Equifax Credit Report hard inquiries that I did not authorize. I contacted Equifax to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Equifax continues to remove. These inquiries are from XXXX, XXXX, and XXXX.
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have noticed that I have multiple hospital bill on my credit report when I started the process to buy a home after careful inspection I known that the bill are not mine. I have had this problem before where someone has been using my information at the XXXX and receiving services under my name. I have disputed them with all three credit agencies and Equifax is the only agencies that has not removed them. The other agencies stated that there was not valid proof that the bill belonged to me. I am not sure how to go about this, I called the XXXX and asked how they verify that the patients is really the patient that are receiving services and they stated that the person has to give a name and a DOB. This process needs to be changed I 'm sure I 'm not the only person that this has happened to and I do n't know how to get information so that I can prove that it was not me whom received the services. And why is it that these collectors could not validated information to the other XXXX credit agencies but they could validate the information to Equifax
Consumer complaint received 2016-12-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Equitable Acceptance Corp (MA)

I was solicited on line for a student loan forgiveness program in XX/XX/XXXX. After all the information was given to XXXX, I was told that all my student loan would be forgiven except for {$1300.00}. I was sent a letter to set up payments through XXXX I have been paying them {$39.00} a month for 1 year as of XX/XX/XXXX I still kept receiving bills from my dept. of education loan. This company did nothing for me. 
In the meantime, I was given a ( TPD ) Total Permanant XXXX status by the dept. of education. I started the process with the XXXX in XX/XX/XXXX I was not obligated to pay XXXX during the application Process. In XX/XX/XXXX I was absolved of the loan by XXXX. of XXXX. 
XXXX has continued to harass me by phone, despite my sending the information to both XXXX Advocates, and XXXX. I had to close my bank account to stop them from taking my money. 
I notified these XXXX companies by email, sending copies of my discharge, XXXX says they ca n't discharge the loan unless XXXX Advocates says they can. Student Advocates refuses to send my discharge to them, because they are in this together! I have been charged 17.99 % interest on {$1300.00} and it wo n't be paid off until XX/XX/XXXX 
I filed a complaint with the XXXX. of XXXX in XX/XX/XXXX and was encouraged to file with this agency as well.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. All of these are in violation of the Fair Credit Reporting Act, et, al.

The following is/are a list of inaccuracies/erroneous status(es) still showing on my credit report:

XXXX Ocwen Loan Servicing, LLC shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is Ocwen that has mis-managed the escrow; and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with Ocwen. 

XXXX  The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

XXXX  Any inquiries, two or more years old, should no longer be showing on the account.

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have disputed inquiries on my Equifax credit report and asked for proof of the inquiries or delete from file. Proof was not provided. Instead I received a letter explaining inquiries. I do not need an explination of what an inquiry is. I proof or a deletion of all inquiries.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Solar Mosaic LLC (CA)

Greetings. 

I contracted with XXXX XXXX XXXX company to installing solar panels on my home/private business. The sales representative falsified documents pertaining to payment method ( said we could setup auto pay with the company credit card ) however this was false in the final contract. Additionally, the installation timeline in the original communication said we had 3 days after installation to verify the equipment. This was also false, it is 3 days BEFORE. This resulted in panels being installed and damaged to the property being done. 

Upon finding the damage and realizing the falsified contract presented by the sales agent, XXXX XXXX ( XXXX ) XXXX And XXXX XXXX ( XXXX ) XXXX I requested cancellation and was assigned a case manager, XXXX XXXX. XXXX After multiple emails and phone calls, she has refused to assist in the cancellation anymore. She has also refused to take calls, and when I have attempted to call the XXXXXXXX XXXX  am blocked, therefore preventing me from resolving current and future issues. 

Solar Mosaic LLC contracted with XXXX XXXX, on behalf of XXXX XXXXXXXX  to serve me a debt collection letter on XXXX XX/XX/2023 for the installed panels, despite my repeated communication to cancel. My credit score has dropped to XXXX from XXXX and now I am either forced to pay the delinquent amount or face further harassment. 

Additionally, I have been responsible for paying {$410.00} in fees to Solar Mosaic LLC and {$2200.00} in electric bills to XXXX & XXXX that were supposed to be covered by the XXXX XXXX XXXX. 

The panels we installed in XXXX and have not been activated, resulting in no benefits being received. The servicing agent, XXXX, even made mention that panels were not activated when he served me at XXXXXXXX XXXX on XXXX XX/XX/2023. 

In summary, XXXX XXXX XXXX and Solar Mosaic LLC are intentionally targeting XXXX XXXX ( myself XXXX ) and XXXX veterans ( my wife XXXX - XXXX ) with their deliberate refusal to honor cancellation agreements. My intent is to inform and hopefully prevent others from becoming victims of these companies. 

XXXX XXXX
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MD)

I applied for a new service with XXXX on XXXX XXXX, 2016. I requested that they not pull my credit report, and that I would pay the {$100.00} security deposit to forego the credit check. I have the receipt from XXXX. They still pulled my credit report without my permission. I disputed this information with Equifax, and I was denied because they said hard inquiries are " factual data '' and there is nothing that can be done on their end. I initiated a ticket with XXXX at the end of XXXX, and was assured it would be removed. Ticket # XXXX. I called XXXX XXXX for an update and they said someone was taking care of it from collections and would call me within 24 hours to confirm everything was taken care of. It is now XXXX XXXX and nothing has changed. I called XXXX XXXX, and no one knows why the ticket was closed, and can not provide information as to why the hard inquiry is still on my report. I have the receipt of {$100.00} to show proof of my deposit. XXXX can not access my credit report without my permission. Can I sue under the FCRA? There has to be protection for the consumer. This is ridiculous. I 've wasted more time, and my privacy was violated.
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

XXXX Date of Last Payment, Date of Last Activity is still not being reported after their investigation. Account was also not validated, no copies of signed contract and no payment history. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I have sent the demand letter to XXXX credit bureaus for updating my credit report and scores, but they do n't do anything, I still not get my credit report. 
Please update it now, it is my right to have that information.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

This XXXX account for {$60.00} showing XXXX XXXX XXXX on my credit file this account was previous deleted from another credit bureau and this account also do not belong to me. I have call the original creditor XXXX XXXX XXXX who does n't show this account. I do not know why XXXX is still trying to report false and inaccurate information on my credit file. I need this information deleted and permanently.
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (CO)

This compliant is regarding property taxes bill for a leased vehicle that was located in XXXX, TX ( XXXX County ). The vehicle is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've reached out to GMs customer service team several times and several different ways since XXXX. Several times I was told someone from the property tax dept would contact me within 72 hours regarding my questions below but I have not heard back and I want this resolved so I can pay the bill. I am disputing the two property tax charges until it is corrected/my questions below are addressed. 

1. Per my contract, the value of my vehicle is {$27000.00} ( See page 2 of GM Chat pdf date : XX/XX/XXXX ) but the property tax bill reflects an assessed value from GM of {$70000.00} for XXXX ( See XXXX XXXX png email and attachments XXXX************* and XXXX********* pdfs from the XXXX XXXX team ( date XX/XX/XXXX ). That needs to be corrected and rebilled at the contracted/correct rate. When will this be corrected? 
2. Why are previous years listed on the property tax invoice? My vehicle is a XXXX. ( See XXXX pdf from the XXXX XXXX team received on XX/XX/XXXX ) 3. Why do I have multiple property tax charges : one for {$300.00} and one for {$190.00}. GMs XXXX XXXX team sent a copy of an invoice for {$190.00} ( which is billed incorrectly because of the value listed ) but did not send one for {$300.00}. ( See GM invoice pdf dated XXXX XXXX, XXXX ) Contacted customers service via text : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) Contacted customers service via phone : XX/XX/XXXX Contacted customers service via email : XX/XX/XXXX Contacted customers service via chat : Possibly XX/XX/XXXX did not take screen shots so I am not sure, but that is one of the days I called XXXX County. I was told I needed to contact my local tax office. 
XX/XX/XXXX I contacted the XXXX XXXX Tax office ( for the City of XXXX ) twice and both times told the taxable value is determined by the leasing company who sends the info to the appraisal district. They bill they send to the leasing company is based on the value they receive from the leasing company so there is nothing they can do. Reference XXXX XXXX XXXX XXXX regarding property tax for leased vehicles in the City of XXXX County. 

Additionally, I submitted questions and a complaint regarding the lack of response to my questions to GM Financials complaint department via their online form on their website. Exact date unknown it was between XXXX and XXXX.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Dear to whom might concern, My name is " XXXX XXXX ". I have tried to report incorrect information in my account but it has no success so far. I noticed there are most of the addresses that are listed in my credit report are incorrect. 
XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX *** I demand removal of all these addresses as they are not belong to me and our businnes. These inaccurate information above is preventing me from improving credit. 
**** Please investigate these " auto loan " and " other loans " and delete all the disputed items withn 30-45 days in the regulation times as i will be validating all debts from these creditors and never stop enlarging my complaint until my request are done so. 
In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) '' Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. ". However, I have never received writing mailed or disclosure about any of these loans. The credit bureaus violated seriously FCRA laws which means all of these inaccurate loans have to be removed off my credit account " '' '' '' ****. 
***Auto Loans ***!!! XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX!!! XXXX XXXX XXXX Reported : XX/XX/XXXX ***Other loans**!!! OTHER LOANS *XXXX  XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX *XXXX  XXXX Reported : XXXX XXXX, XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX/ Inquiry : XXXX XXXX, XXXX There are no information contact update by this creditor. This account would be intensionally put in my report for the credit bureaus personal-benefit. 
!!!!! DELETE IMMEDIATELY!!!!!! 
****Credit card!! 
XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX  XXXX/ XXXX XXXX XX/XX/XXXX *XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX!!! These credit card account are not BELONG to me. In all this account show that i late for all payments. However, i never never miss all my credit card payments. 
!!!!! DELETE IMMEDIATELY!!!!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent
Consumer complaint received 2020-06-08
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. (VA)

Dear to whom might concern, My name is " XXXX XXXX ". I have tried to report incorrect information in my account but it has no success so far. I noticed there are most of the addresses that are listed in my credit report are incorrect. 
XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX *** I demand removal of all these addresses as they are not belong to me and our businnes. These inaccurate information above is preventing me from improving credit. 
**** Please investigate these " auto loan " and " other loans " and delete all the disputed items withn 30-45 days in the regulation times as i will be validating all debts from these creditors and never stop enlarging my complaint until my request are done so. 
In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) '' Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. ". However, I have never received writing mailed or disclosure about any of these loans. The credit bureaus violated seriously FCRA laws which means all of these inaccurate loans have to be removed off my credit account " '' '' '' ****. 
***Auto Loans ***!!! XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX!!! XXXX XXXX XXXX/ Reported : XX/XX/XXXX ***Other loans**!!! OTHER LOANS *XXXX  XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX/ Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX *XXXX XXXX  Reported : XX/XX/XXXX *XXXX  XXXX Reported : XXXX XXXX, XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX/ Inquiry : XXXX XXXX, XXXX There are no information contact update by this creditor. This account would be intensionally put in my report for the credit bureaus personal-benefit. 
!!!!! DELETE IMMEDIATELY!!!!!! 
****Credit card!! 
XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX  XXXX/ Reported : XX/XX/XXXX *XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX!!! These credit card account are not BELONG to me. In all this account show that i late for all payments. However, i never never miss all my credit card payments. 
!!!!! DELETE IMMEDIATELY!!!!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent
Consumer complaint received 2020-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a house I am trying to rent today XX/XX/20 and when my credit report came back I was told that I did not qualify due to having several accounts reflecting badly on my credit. I had no idea what accounts it could be because I have never let any of my accounts or loans go negative. I looked through my report and I saw about six accounts that I never opened. Those accounts do not belong to me and I did not give anyone permission to open them in my name using my personal information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.