davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
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. (NY)

I was applying to a job on the XXXX of XXXX and the job offered me a free copy of my credit report and background check. I was amazed to see so many inaccurate information about my home address showing addresses in texas ( XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) I have not resided at these said addresses and after looking them up they appear not to be homes but business addresses-Please REMOVE not my addresses nor have I lived there, and XXXX alleged debts in my credit reports. The debts are Account name : XXXX account # XXXX, listed as a chargeoff for {$800.00}, Account name : XXXX XXXX Bank XXXX XXXX Account : XXXX listed as Chargeoff for {$500.00} and Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX  as late past due {$370.00}. These accounts has violated my federally protected consumer rights to privacy and confidentiality. On XX/XX/year> after researching online the fair credit report acts I came to understand with a consumer attorney friend of mine that the credit boroughs must assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 2024-08-14
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. (WA)

Hello, I have reached out to Experian multiple times concerning several items they are reporting on my credit report. Despite sending multiple letters directly to Experian, I continue to receive emails from them stating that they do not believe the letters were sent by me. This is particularly frustrating, as I have clearly indicated in each letter that I am the sender. 

I am deeply concerned by what appears to be an attempt to disregard my rights. Given that their deadline has now exceeded 90 days, I respectfully request the immediate removal of the disputed items from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-10-11
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. (NC)

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


XXXX # XXXX - {$45000.00} ACHIEVE PERSONAL XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX State Employees XXXX XXXX State Employees XX/XX/2024 XXXX XXXX XXXX XXXXXXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Ms. XXXX XXXX called me at XXXX XXXX central time in the morning and did not verified the person for the debt. I asked for your her information and her to call here anymore. This practice is unacceptable and should not be tolerated.The company is Portfolio Recovery and the telephone is area code XXXX. Thank You
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Ive had an open Foreclosure it was closed. and reopened when the statute of limitation ran. Reopened ive tryed doing loan modes and SPS. well not work in means want a large down. Most of my life ive worked in XXXX XXXX. and for family reason i had to leave. I stared back this year. I did an Investigation on my case when they refuse to work with me. the loan stated in Fl. with XXXX   XXXX. the vice President was arrested. the loan started in XXXX XXXX XXXX placed a trust in XX/XX/XXXX the trust was closed in XXXX also the Vice President on Trust is on XXXX XXXX XXXX Robo signer sheet. Understand i owe money but its not to the trust it was not placed into or XXXX XXXX. SPS. said the Appraised the home for XXXX I can short sale it for that. to do a Loan mode its XXXX with XXXX down. XXXX VS XXXX XXXX. i attached the paper work is the same case I have. everything is attached. Thank you in advance. P.S. Iwas refereed by TEAM TRUMP
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the deletion of inaccurate information on my Experian credit report concerning a XXXX XXXX account ( account number : XXXX ). This account has already been deleted from my XXXX credit report and should therefore also be removed from my Experian report. 
According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccuracies on their credit reports, and the credit bureau must reinvestigate the accuracy of the disputed information. 
The presence of this XXXX XXXX account on my Experian report is a clear discrepancy, as it has already been verified and deleted from my XXXX report. I have attached a copy of my XXXX credit report reflecting this deletion for your reference. 
Please take immediate action to delete this inaccurate information from my Experian credit report. I expect confirmation of the deletion within the legally mandated time frame.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2023-06-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

I opened up a Square account in XX/XX/2023 to process payments for my interior design business. In XXXX I processed the first and only payment through Square for {$2000.00}. On XX/XX/2023 I received an email stating that they needed additional information from me and to sign in and provide, which I did. I then received an email stating my account was in review and a little while later that it had been deactivated due to information provided about my business. The email stated funds would be held for 90 days and then deposited. I tried to call and speak to someone as I was confused as to why funds were being held however my phone number had been blocked. I decided to patiently wait the 90 days even though I needed the funds as this is my source of income. On XX/XX/XXXX, I received another email stating the funds were being held for another 30 days due to a recent chargeback. I've only processed one payment and my client, who I'm still working with has not filed a chargeback. I again tried to reach someone but my number was blocked and I had to call from another number. Once I got through to someone I was told a rep would reach out. I received an email on XX/XX/2023 asking for information associated with my account which I provided. I have reached out several times since and still have not received a response. Looking at other complaints, this seems to be a pattern with Square and that they continue to hold funds indefinitely.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (SC)

Equitable Acceptance and XXXX XXXXXXXX XXXX scammed my credit line by {$1300.00}. They said they could consolidate my loans for this amount. This happened in XXXX and I found out what they had done three months after. I did tell them to take me off the contract and they agreed but the credit line is still affecting my overall credit.
Consumer complaint received 2024-10-03
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 XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX  XXXX - Account XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Date Opened XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-28
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. (AZ)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

My mortgage company has responded to my last complaint claiming they couldn't take payments out if they landed on the weekend There has been payments taken out on Saturdays on several occasions XX/XX/XXXX XXXX the payment they should have taken out is XXXX, Saturday XX/XX/XXXX XXXX they should have taken out XXXX, Saturday XX/XX/XXXX XXXX they should have taken out XXXX, and XXXX XXXX XXXX they took three payments out XXXX, XXXX, XXXX, XXXX XXXX XXXX to XX/XX/XXXX is when they started taking out the correct amount ( XXXX, XXXX )
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX I returned 3 XXXX to XXXX XXXX XXXX ... phone were lost.I contested with them.they sent to collections at XXXX XXXX XXXXI requested in within 30days for proof of debtXXXX did NOT reply and I got a new notice from collection company # 2 XXXX XXXX XXXX.I send a Cert.letter within 30 days for verification of debt=NO REPY.Then I get a new letter from collection company # 3 Diversified Consultants.I sent Cert.letter for within 30 days and again n response.I feel helpless to remove this wrongful debt.The companies just keep as on my debt.Diversified Consultants XXXX XXXX XXXX XXXX  MI XXXX is the last contact with my debt on XXXX17. HOW TO FIX???
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

It is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Equifax is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this, I did NOT give Equifax written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Equifax violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I've contacted the wells fargo in XX/XX/XXXX for modification and i couldnt work, they didnt get back to me. they reported to credit bureau s late for 120 days and they schedule a foreclosure date in XX/XX/XXXX. i had to borrow from my credit cards to pay to wells fargo and stop the foreclosure, my account # XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Debt Recovery Solutions, LLC (FL)

Office Name DRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account ( 1 ) # XXXX High Balance {$1200.00} Date Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Account ( 2 ) # XXXX Date Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX I Called to this Office they don't have any information about account and told me is since XXXX and never do action about that. 
this account appears double DRS told me is a copy was a mistake Its clear they are braking my Rights and use their tools to damage my personal information they use this attack against XXXX american people Because they use the law and leagl tricks to pressure and win money or stolen money from our community XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

In XX/XX/2022 I purchased XXXX XXXX fold XXXX from XXXX inside a XXXX XXXX store located in XXXX XXXX XXXX California. Then I returned the item in XXXXXXXX XXXX2022 at XXXX XXXX, XXXX XXXX. 
Then I contacted through phone and let XXXX know that I returned the item. And sometimes in XXXX they ( XXXX ) confirm me that they have the item ( XXXX XXXX ). But in XXXX they send me the whole due bill for the smartphone. But actually I owe money to XXXX because I returned it. I have attached return receipt which I collected from XXXX XXXX store where I returned the item.
Consumer complaint received 2023-06-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute an account that are falsely listed on my credit report with your bureau. I have no knowledge of the following account and it is inaccurately listed on my credit report. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed. I have already contacted the company, and they do not have any information reflecting on my file. 

The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX ) Type of Business : Debt Collector Account Number on Credit Report : XXXX I HAVE NO KNOWLEDGE OF THESE CREDITOR OR ACCOUNT WITH XXXX. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE ACCOUNT REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

Ally financial initially double reported negative information on my reports. I had a lease that I had surrendered and I looked at my credit reports some time after and saw the lease, it was correct. Some late payments but was reported as satisfied and paid in full. Then there was another item from ally stating that I owed XXXX. So I disputed the later being I have no clue what the XXXX account was, what they stated why I owed and their initial response was stating end of lease termination and deleted the account I was aware of and kept the one not belonging to me affecting my credit report with two items that were negative and falsely stating I owed XXXX dollars. My credit was adversely effected by this, lowering my scores. I kept disputing and finally it was removed from one of my reports but remains on others. I have no clue what this debt is. End of lease means nothing to me. I wasnt told at the time of leasing it that I would have a final payment. I was never notified of any charges owed. This has cost me credit and money due it resulting in lower scores and higher rates
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

It is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Equifax is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2019. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. 

A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this, I did NOT give Equifax written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). 

It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.