davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date 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 XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-09-23
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year>, I realized that my Experian account has been compromised. I can not gain access to my Experian account because the email of my account has been changed to an email that does not belong to me. So when I try to regain access by changing my password etc., the information is being sent to the email that does not belong to me. 

However, I do have access to my XXXX account, and I have placed a credit freeze on XX/XX/year>. On XXXX, I have seen that fraud activity has taken place with my credit number because another revolving line of credit has been opened on XX/XX/year>. I opened a dispute regarding this revolving credit line on XX/XX/year> when I realized that I did not open this account.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/2024 : XXXX OF XXXX XX/XX/2024 : XXXX XX/XX/2024 :
Consumer complaint received 2024-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc. (KY)

Was charged for XXXX  that I had no knowledge about. I was in the hospital, not in the right state of mind due to XXXX. If I signed anything, I was not in the right state of mind to sign anything. 
XX/XX/year> date opened In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have no knowledge of any of these accounts thats reported on my credit reports. 

I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be blocked and deleted from all credit reporting agencies. Please delete the following accounts : ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) Capital One As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  debt final rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am kindly requesting that you blocked this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am showing XXXX collections via XXXX XXXX on Equifax for XXXX for {$560.00} with different dates which makes no sense this seems to be an error as there are no reported collections on my Equifax report, please see attached and remove incorrect information immediately. 

Thank you
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (AL)

Several unauthorized hard inquiries were added to my credit report on XX/XX/year>, XX/XX/year>, and XX/XX/year> without my consent. I have reached out to each creditor regarding these inquiries, requesting documentation to prove that I submitted or signed a document authorizing them. Unfortunately, none of the creditors have provided any documentation to support these inquiries. Despite my request for the inquiries to be removed, they still remain on my report and are adversely affecting my credit profile.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (MO)

My husband contacted CAINE AND WEINER XXXX he provided his name and my name advised them was calling about something on my credit report. They did not properly ID him nor did they ask any questions to confirm who he was last 4 of the ssn or dob. When he asked for a manager to speak with was refused they advised will have someone call him back. Over a week went by still no call back. My husband made a 2nd attempt to call again no proper id of him still was not asked to verify any info of myself last 4 of ssn or dob. They disclosed my information WITHOUT even confirming any information. When was finally transferred to a manager he explained the VIOLATIONS and was told they dont have to ask or verify any information to a debtors spouse. This is incorrect and against the law! He asked for a settlement with a credit deletion they refused.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-16
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Mr. Cooper Group Inc. (SC)

My husband and I purchased a home in SC earlier this year. Since, then, our previous home ( in NC ) has sold, and we want to take use the gains to pay down and recast our SC mortgage, which was sold to Nationstar Mortgage dba Mr Cooper. I can find information about recasting on the website, and it involves filling out paperwork and submitting via USPS, along with a {$250.00} check. They say it could take 90 days ( which is concerning, as I have successfully recast with another lender within 7 days ), and that when they get the recasting payment of $ XXXX, they can take up to 30 days before crediting it to my mortgage account. I have tried, unsuccessfully, to speak to someone about this. Last week, on Wednesday and Thursday ( XXXX XXXX and XXXX ), I reached out by repeatedly by phone and live chat and got no answer or response. On Friday, I reached out by phone, and ultimately got automated messages that, if I wanted to speak to a live agent, I'd have to do it via the online chat. The agent I finally reached via online chat told me, basically, those are the rules, and there's no way to expedite. I asked her to escalate the issue, as it is unreasonable for them to hold my funds for so long without crediting my account. I did not hear back from them, so I am filing this complaint.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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.
Consumer complaint received 2022-11-14
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: Convergent Resources, Inc. (KY)

On or about XX/XX/2022 the company was contacted by me regarding information I believe inaccurate and/or incorrect being reported on my credit reports. I asked the company to provide account level document regarding the account. I asked the company to provide proof of ownership of the account among many other items which can be seen clearly in the attached documents the company has failed to respond and failed to delete the information it is reporting as accurate.
Consumer complaint received 2023-07-03
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. (VA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-07-03
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. (GA)

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. 

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION (FL)

I, XXXX XXXX, am exercising my rights as a federally protected consumer under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Effective immediately and indefinitely, I am opting out of any and all authorizations I may have provided to your institution, whether written, unwritten, oral, verbal, or nonverbal, as permitted by U.S.C. 6802.

Please process this request immediately and confirm in writing that no further use of my personal information will occur based on any prior authorizations. If any additional action is required from my side, kindly inform me. 
Thank you for your attention to this matter. Sincerely, XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (TX)

I received a notification in the mail from a debt collection company by the name Spring Oaks capital SPV. A loan was taken out in my name for the amount of {$570.00}. The Original creditor is XXXX XXXXXXXX XXXX XXXX  company and the brand name is XXXX. I called the debt collectors and informed that the loan was taken out fraudulently. I also called XXXX and informed that the loan was taken out fraudulently. I informed both companies that my Identity was stolen XX/XX/2023. Spring Oaks capital Spv said they will send me a packet in the mail on how to dispute the debt. But that I am still responsible for the debt that I did not borrow. XXXX said to send an email with My Driver 's license and copy of and police report or a copy of FTC report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WI)

I am writing regarding my credit card dispute with Chase, case number XXXX. I stayed at the XXXX XXXX XXXX from XX/XX/XXXX - XXXX, yet I was charged three times by the Merchant instead of once. Two of the charges were just made on my card virtually, using my card number without my permission. 

Please see the attached hotel booking confirmation and invoice confirming the total amount I was supposed to be charged to be {$1000.00} for the stay from XX/XX/XXXX to XX/XX/XXXX. I did not agree for the merchant to charge me on additional two more occasions. 

During the dispute process, which was initiated I believe in late XXXX or early XXXX, the merchant did not provide any form of documentation that I authorized extra charges. Yet, Chase claimed the merchant won the dispute. Later, I provided Chase with the booking confirmation and the invoice from hotel as requested, which together prove that the two additional charges were unjustified. 

Hence, the merchant had no authorization to charge me again using my credit card numbers virtually on XX/XX/year> and XX/XX/year> in the amount of {$1200.00} and {$170.00} since it had already charged me once on XX/XX/year> physically with my card.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This account was charged off on XX/XX/XXXX, Since then the account has been updated as charged off every month. This is an update in the payment history. A charged of account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Purchased By Another Lender Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX XXXX Source Type High Balance {$690.00} High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history No history is available Creditor information OLLO/TBOM XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history Youve made 86 % of payments for this account on time. 
XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Unpaid Balance Reported As A Loss By Credit Grantor, Transferred To Another Lender Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeo XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my social security number, and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions : 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 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 All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX