davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at SelfLead on XX/XX/XXXX under the account number XXXX a collection account opened at XXXX Charter Communications on XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

On XXXX/XXXX/XXXX our trial period for our loan modification with XXXX XXXX XXXX began. Our loan modification was approved and officially began as of XXXX/XXXX/XXXX. The terms of the modification include a HAMP Modification Incentive called " Pay for Performance ''. For every month that we make our payments on time we are able to accrue up to {$1000.00} each year for each of the first five years after the anniversary of the month in which the trial period payment effective date occurred. We are able to accrue up to a total of {$5000.00} provided the loan has not been paid in full at the time the incentive is paid. This benefit is to be applied to our principal balance each year after the anniversary date of the first trial period payment due date which is XXXX XXXX, XXXX. We have not had a late payment since our modification began and have been receiving our Pay for Performance incentive each year until this year. 

In XXXX XXXX Nationstar Mortgage purchased our loan from XXXX who purchased it from XXXX XXXX XXXX in XXXX of XXXX. Despite my calls to Nationstar ; XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX, our Pay for Performance incentive has not been paid. 
I was told verbally via a phone call from XXXX @ Nationstar that my complaint is currently being researched and I will have resolution by XXXX/XXXX/XXXX. I also received a letter, ref # XXXX, from XXXX XXXX, customer relations specialist, stating I will have resolution by XXXX/XXXX/XXXX. To date there has been no resolution. 

I received a letter from XXXX just prior to them selling our loan to Nationstar announcing a new HAMP Modification Incentive that will apply an additional {$5000.00} to our loan balance on the sixth anniversary of the trial plan effective date that will be XXXX XXXX, XXXX. This is a much-needed incentive for us and I am hopeful all will be resolved by then. Included with the letter from XXXX was a Dodd Frank certification form to be signed by us. By the time we received it, Nationstar had become our loan servicer so we sent the form back to them along with the correspondence from XXXX. Apparently, the form triggered a loan modification application and we kept receiving calls regarding our modification application with Nationstar. After a couple months this was finally resolved but speaks to the incompetence of this company. Again I am afraid this incentive will be ignored just as the other has been. 

Nationstar 's blatant disregard for customers ' loan modifications is all over the Internet ( I was researching complaints to Nationstar ). It is my understanding that the HAMP modification is a federal program and lenders are required to abide by its terms. It took us a year and XXXX of hours of fighting XXXX XXXX XXXX to get our loan modification approved. This incentive is very important for our financial well-being and I hope this complaint will help to resolve this matter and Nationstar will comply with our loan modification terms. 
Loan # XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I submitted an informal dispute directly to XXXX XXXX and transunion informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau XXXX have failed to investigate this matter conduct a proper investigation into the disputed inquiries
Consumer complaint received 2024-09-25
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)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 


XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TN)

My credit card was placed on temporary hold from Wells Fargo after they requested a 4056-c form. I went to a local branch and a banker helped me fill out the documents and scan it over. I called customer support and they claimed they only got the signatures and not the 4056-c. I had the banker rescan the documents and send them over but by the time we did that they already shut down my credit card on XX/XX/year>. I had over XXXXXXXX XXXX of rewards on that credit card and Wells Fargo says I can not open my credit card back up or get my rewards back.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-07-10
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. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-27
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. (LA)

Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2024-09-26
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries on my credit report. I have provided the details for each inquiry below. These inquiries were not authorized by me, and I am requesting their removal from my credit report. 

1. XXXX  - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Personal Loan Companies - Contact Info : - Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize any personal loan with OneMain on the above date. 

2. XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize a credit card with XXXXXXXX XXXX on the above date. 

3. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Credit Bureaus - Contact Info : - Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit inquiry with XXXX XXXX XXXX. 

4. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit card with XXXX XXXX XXXX on this date. 

5. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Mortgage Reporters- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not authorize any mortgage-related inquiries with XXXX XXXX XXXXXXXX XXXX 

These inquiries have had a negative impact on my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed if found to be unauthorized. 

Please notify me in writing of the results of your investigation and the actions taken. I have enclosed a copy of my credit report, along with proof of identity for your verification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-08
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment XXXX XXXX Account Number : XXXX Dear, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : -XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-09-26
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 am writing to you as the holder of my Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Auto Loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-07-10
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. (OH)

I was contact by a company XXXX XXXXXXXX XXXX  XXXX. I have no business relations with XXXX XXXXXXXX XXXX XXXXXXXX.This company claims I owe moneys to XXXX due to my buisness ties to company XXXX. My information is being mishandled. I did not authorize any third party transactions The account debtor XXXX XXXX is unfamiliar or incorrectly filled.The company reaching out is third party. They are claiming to have limited information.I attempted to contacting original debtor XXXX to resolve complaint with consumer finance.gov. However XXXX XXXX is unresponsive .The dispute was immediately closed. Ive also request proof of debt from all third parties. This was submitted more than 30 days ago.The company failed to bring forth this documentation or remove debt regarding account
Consumer complaint received 2024-09-26
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX i do not know nothing about those companies i have those inquiries without my knowledge