davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (TX)

USCB America 's client XXXX XXXX is trying to collect on a debt that was never billed correctly to XXXX XXXX XXXX XXXX Medicaid in NM. Had XXXX billed the debit in a timely manner, before they could not agree on a contract extension, it would have been paid by XXXX. This matter was closed in XX/XX/XXXX  ( see complaint No. XXXX attached ) and any further action by XXXX XXXX is only to harass me for losing their case and being reported to the NM Office of the Inspector General and by CFPB reporting there actions the FTC.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am a victim of the Equifax data breach. I recently realized that I was a victim of identity theft when I recently viewed a copy of my credit report. I noticed that the address on my credit report was incorrect and I recently contacted the credit bureaus in having this fixed. 
On my credit report there is a charged off account from XXXX XXXX / credit cards. 

I never applied for or got a XXXX XXXX XXXX. Neither have I ever applied for any other XXXX XXXX XXXX
Consumer complaint received 2024-11-02
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S. Code 1681 Section 604 ( a ) ( 2 ) States that I have the right to privacy which has and still is constantly being violated 15 U.S. Code 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 2024-11-02
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely XXXX me out.
Consumer complaint received 2024-09-29
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. (CA)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding XXXX.
Consumer complaint received 2024-09-29
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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-11-02
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. (AL)

I am reaching out as a victim of a recent data breach that has led to identity theft, resulting in 
unauthorized accounts and inquiries appearing on my credit report. Pursuant to 15 USC 1681c2(a) and FCRA  605(b), I request the immediate blocking and deletion of the entries listed 
below.
Accounts and Inquiries to Be Blocked and Deleted: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-28
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: EQUIFAX, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Since XXXX of XXXX I have been trying to find a finance solution to save my house from foreclosure. I want to sell my house and get a new house and mortgage. I have tried for months to get a security freeze lifted from my account. I have also tried to get a copy of my report because I believe there is an error in my name which is causing all of the issues. But I am unbale to access my online Equifax account. I have sent my ID and SSN card XXXX times to XXXX different XXXX XXXX XXXX that are listed on Equifax website as to where to send disputes and requests. But to no avail. I am desperate here. We have to downsize our house or we will lose our house. We are running out of savings are are in a desperate situation only because Equifax will not release my credit report to myself or any lender because they say there is a freeze on the account and therefore they say they can't lift it but every lender says there is XXXX. I will have to seek an injunction on the company as my next action as I am about suffer irreputable harm. We are also filling a compliant with the FTC and department of justice as I believe these actions by Equifax are solely motivated by race. 
Updated : This is the third complaint filed with the CFPB and no action has yet been taken. I still do not have access to my credit report to see and identify errors and Equifax denied access to my credit report on XX/XX/XXXX. Equifax has destroyed my life. I am XXXX and I am loosing my home even though my credit score from other reporting agencies like XXXX is over XXXX. I can not refinance my house because Equifax will not release my credit file. Why will you all not fix. You are literally causing me to be homeless
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

All loan balances were paid off by the Dept of Veterans affairs on XX/XX/2024. I was told by the loan servicer XXXX this would be updated in 30 days which would have been XX/XX/2024, but the balance still remains on my credit reports with Experian and XXXX. I have tried disputing through both Experian and XXXX, but no changes have been made. Experian and XXXX both display a balance over $ XXXX for XXXX XXXX loans, when they should reflect a {$0.00} balance on all XXXX XXXX loans.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I haver XXXX account that's is reporting XXXX late payments on each account which is INCORRECT. 

I reviewed my consumer reports and noticed that I had XXXX late payments on XXXX different accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-30
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

Items need to be disputed : XXXX : XXXX. XXXX XXXX BANK XXXX Account XXXX : XXXX Date XXXX Balance Owed : $ XXXX XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff Equifax : XXXX. XXXX XXXX BANK XXXX Account XXXX : XXXX Date XXXX Balance Owed : $ XXXX ChargeOff XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX : XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff
Consumer complaint received 2024-11-02
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)

I am contacting you as a victim of a data breach in which my personal information was compromised. As a result, fraudulent accounts have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of these unauthorized accounts. 
Fraudulent Accounts 1. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$52.00}
Consumer complaint received 2024-11-01
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. (NY)

My credit report includes items that stem from fraudulent activity, none of which I ever authorized or benefited from. This situation misrepresents my character and is deeply upsetting. My rights have been violated, causing significant distress. Although I've already reported this to the Federal Trade Commission, these items still remain on my report. Its frustrating to see that the very system designed to protect individuals in my situation hasnt provided a resolution.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.
Consumer complaint received 2024-09-30
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-31
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)

I requested the inaccurate information to be deleted of my credit report. Experian responded that the disputed information has been verified and updated. In addition, the creditor didn't respond to my request for the validation of debt request on at least two occasions. 

See attached!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-31
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. (FL)

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.

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 2019-12-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (MS)

We listed our house on the market XX/XX/XXXX. We received a offer with a pre-approval from XXXX XXXX at XXXX XXXX for this buyer. We then accepted and contracted with the buyer with original closing date set for XX/XX/XXXX. Buyer agreed to extend until XX/XX/XXXX due to us making arrangements for a offer on a house to purchase. Ms. XXXX apparently switched jobs and began working with Caliber Home Loans in XX/XX/XXXX. We were unaware of this change and that she was taking our buyers loan with her which started his loan process over. The week of closing we began to get information of the buyer going out of state for a death in the family and may not be back in time to close on that Friday. Due to the house we were purchasing we really needed to complete our closing on time. The next 48 hours were spent getting our buyer a power of attorney approved to sign on time due to the closing disclosure had not been signed until late Tuesday afternoon so we could not sign before Friday. Once we had POA approved Ms. XXXX then stated as of Thursday the buyers ssn was " flagged '' and they were working on getting his ssn cleared. We were told multiple times they were still moving forward to close on Friday resulting in us and our sellers of the new purchase to take time off work and schedule movers and load uhauls. We were scheduled to close at XXXX Friday needless to say we were not able to do that. We were told multiple times we would close by end of day. We did not close at all that Friday which resulting in both families scrambling costing both families alot of money. Going into the weekend we were assured we would close Monday. So again we all make arrangements for Monday. By mid-morning we were being told we had a clear to close and was waiting on the " packet ''. Shortly there after we were contacted that our buyer had been denied and the purchase was canceled. Due to errors, negligence, misinforming realtors involved, and honestly just flat out lying about the details behind this loan we spent and lost 1000 's  as well did our seller of the new home who also was unable to close on their new house in another state. This was the beginning of almost a month of stress, financial burdens, and uncertainties of the sells of any of the properties tied into this situation. Ms. XXXX nor her partner XXXX XXXX took any ownership in the errors and offered zero help or apologies to assist in the situation. Thankfully we had another local bank get involved and took proper steps in getting our buyer approved and we were able to close XX/XX/XXXX. Again, we were unable to recoup any of the loss in wages, expenses spent moving the first 2 dates we were given to close. We just want others to be warned to be aware when using XXXX XXXX and or Caliber Home Loans.
Consumer complaint received 2024-11-01
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-31
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)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXXXXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.