davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX Date of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXX XXXX XXXX, XXXX NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (TX)

XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated myfederally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXX XXXX XXXX, XXXX NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (NC)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. 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 2024-10-09
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Back in XXXX of XXXX ( we have lived here since XXXX but refi the loan and had it put in our names inXX/XX/XXXX ) My husband lost his job due to illness. was fired after 5 yrs, because he was out sick and could not produce a note from his doctor that he was 100 % better to return to work his boss also thought he was to heavy to continue to do his job. he tried to get unemployment but was denied, so I had to try and restructure our financial situation for just XXXX income. I was having a hard time. by XXXX of XXXX my husband XXXX started XXXX and the future looked better but in the meantime I was only paying what I could to get caught up. In XXXX I paid for XXXX mortgage in XXXX I paid for part of XXXX..still falling behind I thought it would get better it didnt by XXXX XXXX XXXX was having XXXX and his health at XXXX was deteriorating.He went in to see the doctor the end of XXXX and they admitted him. He was in the hospital XXXX. Hospital bills were huge I had to take care of the home bills keeping lights on water cars with gas and food let alone his prescriptions still couldnt pay the mortgage. Every time I called to talk to Ocwen I got a different person, having to explain everything over and over everyone asked me to do a modification. I did and turned in XXXX pages of documents when I finally heard from them about 30 days later they told me some papers were missing to resubmit another package. Now we are in the end of XXXX and a nod is recorded and sent to our home. I called Ocwen again and they said to just go ahead and finish the package and send it back. I did and then I find out 8 days after I submitted the second package that the investors of our loan do not do modifications. Now they knew this from the begining but failed to tell us and had us do a whole other package only to reject it once again. Did they try to see if we qualified for other modifications? No they said they only did the " In house modification '' I asked about a pre payment plan they said I had to come up with XXXX in 3 days or I could not do it.I asked them why the deed of trust that came to our home was in my mother in laws name when we clearly had the deed recorded in our name. they said it didnt matter. I think it does I have yet to see the deed that we recorded to have the house put in our name in XXXX of XXXX. Now dont get me wrong but isnt it illegal to sell a piece of property under the wrong name? My mother in law has been dead since XX/XX/XXXX.I called and asked Ocwen if they had the " note '' associated with the deed of trust and they said they did I still have yet to see either the deed in the correct name or a promissary note. Please, theforeclosure sale of our home is XXXX XXXX, XXXX I feel they are rushing it cause we have XXXX in equity. Ocwen has not been helpful, has demanded money for a prepayment plan.Has not produced the right documents and has played with us regarding the modifications. If you can help my family please let me know.Thank you and XXXX bless
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. 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 2024-09-06
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. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX Balance : {$480.00} XXXXXXXX XXXX XXXX Balance : {$480.00}
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. (WI)

upon reviewing my credit report, I found several accounts listed that do not belong to me. I have not done any business with these companies nor have ii given any of them my personal information. Here are the accounts listed below : XXXX XXXX XXXX, XXXX {$2600.00}, Opened- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00}, Opened- XX/XX/XXXX The XXXX XXXX XXXX XXXX, XXXX {$200.00} XXXX Opened- XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX {$41000.00} , Opened- XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$340.00}, Opened- XX/XX/XXXX XXXX, XXXX {$990.00}, Opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX {$690.00}, Opened- XX/XX/XXXX Dept of EDXXXX XXXXXXXX, XXXX {$3300.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$3800.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$2400.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$7000.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$4900.00}, OpenedXXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This account XXXX XXXX XXXX XXXXXXXX has been purchased by a THIRD PARTY DEBT COLLECTOR. 
This must be DELETED as the status is not correct, the amount is not correct and the account was paid for less by the THIRD PARTY DEBT COLLECTOR. 
As you can see my partial credit report that I have attached in this dispute the information is not correct and it is not accurate. 
There for it must be DELETED immediately. 
How much did the DEBT COLLECTOR pay for this alledged debt? I do not know and neither does the credit report reflect such amounts. 
This is a clear VIOLATION of the Fair Credit Reporting Act ( FCRA ) as this is not ACCURATE or COMPLETE. 
DELETE : XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (FL)

XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S.C. 1681a : Definitions and Rules of Construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from account # XXXX, # XXXX, and # XXXX in addition there are huge payment discrepancies between the 3 consumer reporting agencies.
Consumer complaint received 2024-10-09
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. (MO)

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.

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 XXXX 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 informationisinaccurate.
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. (FL)

15 U.S. Code $ 1681C-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft.
Consumer complaint received 2024-10-09
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. (GA)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 2024-09-06
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: EQUIFAX, INC. (AZ)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted your company and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-09
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. (TX)

I am writing to file a formal complaint regarding Equifax 's failure to comply with the Fair Credit Reporting Act ( FCRA ) and its negligence in resolving two disputes. 
Dispute # XXXX : Collection Account from XXXX XXXX XXXX On XX/XX/year>, I submitted a dispute to Equifax concerning a collection account reported by XXXX XXXX XXXX. I requested that this account be removed if the agency could not provide verifiable proof, including the original contract and documentation showing the agency 's authority to collect this debt. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. Equifax, however, failed to fulfill this obligation. Despite their responsibility to verify the legitimacy of the account, Equifax has not removed this unverifiable information, which constitutes a violation of the FCRA. Specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation into the accuracy of the account. 
15 U.S. Code 1681e ( b ) : Negligence in maintaining accurate consumer reports by allowing unverifiable information to remain. 
Dispute # 2 : XXXX XXXX Account On XX/XX/year>, I submitted a dispute regarding account, XXXX XXXX, which was inaccurately reported as a charge-off across multiple months. I requested a procedural investigation and removal of the erroneous reporting. Equifaxs failure to properly investigate and correct this inaccurate reporting is a direct violation of the FCRAs requirement for reasonable procedures to ensure accuracy. 
15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Failure to conduct an investigation into the inaccuracies in a timely manner.

15 U.S. Code 1681c ( a ) ( 4 ) : Reporting of obsolete or incorrect information.

15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy in consumer reporting.

15 U.S. Code 1681s-2 ( b ) ( Duties of furnishers of information ) : Equifax 's failure to properly address the inaccuracies constitutes a breach of their responsibilities to ensure the accuracy and integrity of the reported information, especially after a direct dispute was submitted.