davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-05
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. (IN)

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I have attached my credit report to this highlighting all the inaccurate information. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This inaccurate account is stopping me from the ability to get credit cards and a house for my family.
Consumer complaint received 2023-06-09
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-09
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

See attached court filings to be heard in XXXX XXXX. Nationstar refuses to remove unearned never performed service and unnoticed force placed insurance premiums from my loan 's payment history, and Nationstar is obstructing material evidence for a Court hearing XX/XX/2023 without justification except for the payment history is inaccurate currently and doesn't fit the counsel for Nationstar 's false narrative.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (AR)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are being updated rith away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX05b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00}, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (KY)

I have tried for several months to have late payment reporting on 11 student loan accounts that Mohela then XXXX XXXX XXXX hold. There are a total of 99 late payments on my credit report from XXXX through XX/XX/2018. It has caused tremendous damage to my score. I have disputed this with Mohela, and all credit reporting agencies and it continues to be seen as accurate. It is not, I requested information on forberance and deferment history from Mohela and it shows that I was in forberance at the time of late payments. They still failed to update or remove information and report it as valid, the credit bureaus has done the same, even though I've sent information showing it wasn't correct. I have requested valid paper work, from Mohela showing that I wasn't on a deferment or forbarbance before late payment started, that would have caused it to be past due and seen as accurate but nothing, stating that XXXX XXXX correspondence is something that they do not have. I just do not believe that I would have let 99 late payments hit my account, affecting me in this way. So I requested proof from Mohela, and was emailed though there portal a generic email from a case supervisor stating that after deferment supposedly ended I let it almost go in default and a administrative forberance was placed back dating Loan and the late payments remained valid and they don't do good will credits. Unbelievable I would never, and what good does it satisfy, my credit is worst if not the same from late reporting. It hard going against Mohela using their information that shows different with history report. But they can't furnish the history on administration forberance that I agreed to during that time. Only saying that's what happened with XXXX XXXX and it'll remain.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX I applied for a pre-approved auto loan through XXXX. The process was entirely online, and was approved fairly quickly. The interest rate appeared to be higher than I expected. When I received a written notification from XXXX, I noticed the credit score was about 50 points low, resulting, I believe, in the higher interest rate. My score on XXXX XX/XX/XXXX across the 3 major credit bureaus ranged from 775-785. The score provided by Experian to XXXX was XXXX. I have talked to both Experian and XXXX three separate times. I will only address the last call with each, but I would like to note that Experian makes it almost impossible to get a live agent on the phone. On the final call to XXXX, I spoke to a resolution specialist named XXXX. He stated that what was provided on their letter was the exact score provided by Experian. When I spoke last to Experian, their supervisor, XXXX, claimed that Experian did not provide a credit score at all, only the credit history data that XXXX then used to generate its own score. I do not find this explanation credible. Obviously one of these two companies has made an error and refuses to admit it. In the meantime, I have a loan I can't use due to the excessive credit terms and a hard inquiry on my credit report for the next two years. Please investigate.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (NV)

I opened a Chime account on XX/XX/XXXX and was able to login and do everything. I initiated the first deposit and shortly after received an email from the company that my account was locked. I had previously verified my identity by submitting the front and back of the drivers license. 

Yet, they wanted this again so I took another photo with my phone of the drivers license, social security card and a utility bill. 

They then keep coming back stating they need a clearer picture with different background. I even uploaded a photo using a flatbed scanner at XXXX and all were perfectly readable. They are fraudulently stating that they need clearer photos and refuse to unlock my account. 

I want to be able to get my money out and can not do so while the account is locked. Please help.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one reported to my credit report late payments without my written consent. Without my written consent reporting anything to my credit report is violation of 15 USC 1681 ( b ). 15 USC 6801 requires financial institutions to protect the security and confidentiality of customer records and information. They gave my personal information to XXXX  and XXXX which is a third party company. This has created substantial harm and Inconvenience because I cant get any loans so I can get a car. According to 15 usc 6802 ( b ) ( 1 ) A financial institution may not disclose non public information to a nonaffiliated third party which XXXX  and XXXX is not. I also opted out of disclosing that information to them and they still reported send my private information to them anyways. According to 15 usc 6802 ( 6 ) ( a ) to a consumer reporting agency in accordance with the fair credit reporting act ( 15 usc 1681 ), or ( B ) from a consumer report reported by a consumer reporting agency which capital one, XXXX  and XXXX is not
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to follow up on my original complaint submitted to the CFPB on XX/XX/XXXX regarding the incorrect name " XXXX XXXX '' AND " XXXX XXXX '' appearing on my credit report. Although you responded to this complaint, the issue remains unresolved, and the incorrect name has not been removed from my credit report as of XX/XX/XXXX. 

This error has caused significant harm, as I have been wrongfully declined from multiple opportunities due to the incorrect information, which creates the appearance of identity fraud. 

Under 15 U.S.C. 1692 ( a ) and 15 U.S.C. 1692e ( 10 ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and fair credit reporting. Additionally, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. Your failure to correct this ongoing error violates these obligations. 


Despite submitting the correct documentation, including my correct name, XXXX XXXX, and birthday XX/XX/XXXX this issue persists. I have taken all necessary steps on my end to resolve the matter, and yet no corrective action has been taken. The presence of " XXXX XXXX '' AND " XXXX XXXX '' on my credit report continues to cause financial and reputational damage. I have no accounts tied to this person / name.
Consumer complaint received 2024-08-20
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)

I am a victim of XXXX XXXXXXXX and I have told XXXX, XXXX XXXX and equifax for 5 plus yeras or so that different accounts where opened in my name by my XXXX and I did not authorise these! These need to be taking off my account now because as a victim of XXXX XXXXXXXX I am protected! I will get XXXX XXXXXXXX, XXXX XXXX and the XXXX XXXX involved plus I want compensation for the pain and suffering yall have cauased me even further and I am XXXX!
Consumer complaint received 2024-08-20
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. (WI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX are fraudulently opened in my name. I have sent numerous letters providing proof that the accounts are indeed fraudulent. The bureaus have failed to accurately provide proof of a legitimate investigation as well as any documents with my signature or identification. The bureaus have also failed to report accurate information on my mortgage account which forced me to pay off early due to the incorrect pay statuses reporting as late when I have never paid late on account XXXX ACCOUNT # XXXX
Consumer complaint received 2024-10-02
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. (IL)

Talked to an Equifax agent on the phone about the availability of Two Factor Authentication ( XXXX / XXXX ) for personal accounts. The agent didn't seem know what XXXX was and had to put me on hold ask. In the end, the answer came back that it was NOT offered to consumers. 

It's appalling that any business - ESPECIALLY one of the only three credit bureaus- don't offer this capability!
Consumer complaint received 2023-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

XX/XX/XXXX - I, XXXX XXXX, opened a loan with PNC Bank XXXX XXXX of {$100000.00} for 216 months at given interest rate of 5.8 % at a payment of {$740.00} XX/XX/XXXX - I received mail from PNC Bank stating " we discovered your fixed rate lock established on XX/XX/XXXX, did not receive the correct interest rate, As a result, you were overcharged interest. Your fixed interest rate has since been lowered to 5.220 %. '' XX/XX/XXXX - PNC mailed to say they credited my account for overcharging interest - a credit in the amount of XXXX was applied to my principal balance. 

A 216 month XXXX loan of {$100000.00} at 5.220 % should result in a payment of ~ {$710.00}. 

I have contacted PNC many times to find out what will happen to my load going forward. They refused to answer and provide resolution to providing me with a lower monthly payment
Consumer complaint received 2023-04-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (NY)

On XX/XX/2023 I noticed an account that was furnished by AFFIRM INC. without my knowledge or consent containing adverse information in my consumer file at XXXX, XXXX and XXXX. I did not authorize AFFIRM INC. to report this information and I wasn't notified that this negative information was being shared. XXXX XXXX failed to follow proper procedures in an attempt to collect an alleged debt from me the consumer. AFFIRM INCXXXX has indulged in unlawful misconduct with intent to abuse, deceive and invade my privacy. I have suffered irreparable damages by this corporations misconduct. Included with this complaint is a letter sent to AFFIRM INC. notifying them that the alleged debt is in dispute and requesting the proper documentation for proper VERIFICATION by I, the consumer. AFFIRM INC. HAS FAILED TO PROVIDE THE REQUESTED INFORMATION AND IS CLEAR VIOLATION OF THE CONSUMER CREDIT PROTECTION ACT.
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

They made agreements to have the collection removed from credit profile if I paid and also said they sent a letter out stating it would be removed but letter also never arrived call was recorded by them XXXX XXXX  same date as receipt
Consumer complaint received 2023-07-04
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.