davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Consumer complaint received 2024-10-03
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. (NC)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriCash Holding LLC (WI)

I was never informed of this account. All of the accounts details do not belong to me. I am unsure how the end result ended up being attached to me and my credit report. I just found out about this account when the debt collector placed a judgement against me to collect on a debt that has already been charged off and will not provide me with a 1099-C tax form.
Consumer complaint received 2024-10-03
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)

I have requested the credit bureaus to remove fraudulent information from my credit report. To date, although I have seen some changes, they have still not removed one of these accounts ( a fraudulent credit card account from XXXX XXXX ). I am not sure if this is an issue with the creditor or the credit bureau, but I am submitting this request so that proper action can be taken.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

dear, equifax. My name is showing incorrectly on my credit report. I have contacted equifax in efforts to get this corrected/updated, no luck. I am sending this complaint to get this updated as soon as possible. My name should be XXXX XXXX XXXX. Any other incorrect mispelled names should be updated/corrected or deleted. My only name should be XXXX XXXX XXXX. I have attached Driver 's license, social security card, and utility bill with my correct name so that you may update it on my credit report. Please update this information as soon as possible.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

HELLO I HAVE ALREADY STARTED A DISPUTE WITH THE XXXX AND XXXX REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT ... I HAVE A LINE OF CREDIT WITH XXXX XXXX, THIS BANK MADE AN ERROR AND SENT 2 LATE FEES THESE CREDIT BUREAUS, I HAVE BEEN DISPUTING THESE INACCURACIES FOR ALMOST 2 MONTHS NOW ... ON MY XXXX REPORT XXXX WEEKS AGO XXXX TOOK XXXX POINTS FROM MY CREDIT SCORE BEHIND THIS BANK ERROR, THAT THE HIGHER UP 'S DONT AND WONT ADMIT!!! THE BANK MANAGER HERE IN FLORIDA LOOKED OVER MY ACCOUNT PERSONALLY WHILE I WAS ON THE PHONE WITH HER AND SHE SAW FOR HERSELF THAT I WAS CURRENT WITH MY LINE OF CREDIT PAYMENTS FOR THE MONTHS OF XXXX AND XXXX OF THIS YEAR... IM EMAILING THE PROOF WITH AN EMAIL THAT I RECEIVED FROM HER... PLEASE SEND THIS NEW INFORMATION TO XXXX, AND XXXX, AND EQUAFAX IF YOU CAN, THEY NEED TO RESTORE MY CREDIT BACK... XXXX TOOK AWAY 67 MONTHS 2 WEEKS AGO, THEN THEY GAVE ME THE POINTS BACK A WEEK AGO, XXXX HAS TAKEN XXXX POINTS AGAIN FROM MY CREDIT SCORE, THIS IS UNACCEPTABLE, AND THEY ARE VIOLATING MY RIGHTS, ALSO XXXX AND XXXX ARE NOT UP DATING MY CREDIT REPORT, ALL MY CREDIT CARDS ARE PAID OFF XXXX BALANCES, WHY THIS IS NOT REFLECTING..
Consumer complaint received 2024-10-03
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)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC. (NM)

I am writing to address a troubling situation regarding my mortgage assistance application with New American Funding, initiated on XX/XX/year>, when my husband fell ill, leading to unmanageable financial difficulties. 

On XX/XX/year>, I contacted XXXX XXXXr a status update and was informed that I was approved for a trial loan modification starting XX/XX/year>. However, I was later told that the trial modification would actually begin on XX/XX/year>, due to an issue with the paperwork. According to an NAF agent, my trial payments for three months would be {$2000.00}, starting XX/XX/year>. 

When I logged into my online account on XX/XX/XXXX, I noticed the required payment was {$3300.00} instead. Upon contacting NAF again, I learned that my modification had been changed from a trial payment to a forbearance plan, splitting my XXXX and XXXX payments over six months, significantly increasing my total loan payment to {$3300.00}. I requested a workout review, as I would not be able to make these higher payments, and NAF submitted my request. 

On XX/XX/year>, I was told that my workout review was complete and I was placed back on a trial payment plan for {$2000.00}. I explicitly asked multiple times when these payments would begin, and the agent confirmed they would start on XX/XX/year>, with no payments due until then. I also inquired about when I would receive the loan modification documents and was told they would arrive in XXXX or XXXX. 

Following these instructions, I made no payments. However, in XXXX, I received a call stating that I was in default and facing foreclosure. I explained that I was advised not to make any payments until XX/XX/year>, at which point I would owe {$2000.00}. The agent acknowledged the notes in my account but informed me that I had been given incorrect information, leading to my mortgage assistance ending on XX/XX/year>, due to the missed payment of {$3300.00}. 

I questioned the misinformation but did not receive a satisfactory answer. The agent then initiated another workout review for mortgage assistance. On XX/XX/year>, I was informed that my mortgage assistance could not be approved due to issues with the title, which was reportedly not in my and my husbands names. This was perplexing, given that I had already received assistance in XXXX and XXXX under the incorrect terms. 

I contacted my county assessor, clerks office, and the title company managing my escrow, and they confirmed that the title is indeed in my husbands and my names. As of now, my mortgage is four months behind, resulting in a significantly high past due balance due to the negligence of NAF agents. 

I followed all instructions provided during multiple phone calls with your representatives. As a result of this misinformation, I find myself in a much worse financial position than when I sought assistance.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (PA)

On XX/XX/year>, I first reached out to BMO 's fraud department regarding the unauthorized opening of an account under both my personal name and my business name. My SS number and EIN number for my business have been compromised. I have no idea who has this information. 
I purchased XXXX for Identity Theft Protection since the event and learned from a Dark Web Search that my information was sold on the Dark Web due to the national database hack this summer. BMO bank told me to submit a police report and IDTheftReport, which I did immediately. Per the instructions from IdentityTheft.gov, I'm trying to get the following information from the bank : Account Closure : That the fraudulent accounts under " XXXX XXXX XXXX  '' and my personal name have indeed been closed. 

No Liability : That I am not held liable for any transactions or negative marks associated with these accounts. 

Credit Report Clearance : Confirmation that the accounts are not reported as mine on my credit history. 

Since then, I have encountered several issues in trying to address this, including a lack of response to my inquiries and unclear instructions on communication methods. Although I was told by the fraud department that email was the only way to communicate, this is inconsistent with my initial phone discussions on XX/XX/XXXX. 

Despite assurances that the accounts in question were closed, I am formally requesting written confirmation on the above per the recommendations on the worksheet of IdentityTheft.gov. I'm not up to speed on bank regulations, but I feel BMO Bank didn't do their due diligence when setting up these accounts. I have absolutely no affiliation with this bank. I discovered the issue by getting an insufficient fund letter in the mail from this bank. Now they're avoiding talking to me about this issue.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

I received a decision in my XX/XX/XXXX XXXX late dispute, attached. CFPB Case Number XXXX Chrysler Capital concluded that the reason for being reported late is that a late fee was taken out of the regular monthly payment of {$530.00}. 

Late fees have been on my account starting in XX/XX/XXXX. And those late fees were carried over, month after month, for 2 years with no attempt to deduct them from my regular monthly payment. Then in XX/XX/XXXX you decided to take the late fee out of my payment. The Chrysler Capital monthly statements are attached showing the late fees being carried over month after month for years! 

I never received any notification that in XXXX they arbitrarily decided to collect the late fee. 

It was reasonable for me to assume that the late fees would be carried over and then collected at the end of the lease. 

Why would you carry over the late fees for 2 years and then take it out with no warning. 

I was calling Chrysler Capital every month for past 6 months to extend my lease. They told me every month that my account was fine.
Consumer complaint received 2024-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-30
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CL Holdings LLC (WI)

I received a credit report and my information is inaccurate and filed a police report also because my name and information was used multiple times in fraud. 

told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (MS)

Payment was due XX/XX/year>. On XX/XX/year> I sent in a cancelation of ACH Authorization as stated to do in contract. I didn't have funds in that account so I was going to call Friday to give payment information but saw that they took payment from canceled account. This made me have 2 overdraft fees with that payment coming out.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

CAPITAL ONE XXXX
Consumer complaint received 2024-09-16
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-16
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-16
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. (KS)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (NC)

Trying to refinance my house. In order to do that I have to pay off a Lowes credit card and when I call them they are unable to help me stating they cant find it in the system and are unable to help me. And I have also contacted the collection company it was moved to. So that card is holding me back from moving forward with the refinance.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX Unknown {$1400.00} XX/XX/year> XXXX XXXX XXXX Unknown {$490.00} XX/XX/year> XXXX XXXX XXXX Unknown {$330.00} XX/XX/year> XXXX XXXX XXXX  Unknown {$1300.00} XX/XX/year> XXXX XXXX XXXX  Unknown {$790.00} XX/XX/year> NAMES NOT RECOGNIZED XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

CFPB Complaint against credit reporting agency Equifax This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-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. This fraudulent, inaccurate, and false information of a credit card account opened at XXXX XXXX on XXXX XXXX Account Number ( XXXX ), a credit card opened at XXXX on XXXX XXXX Account Number ( XXXX ), An credit card account opened at XXXX XXXX  XXXX XXXX on XXXX XXXX account number ( XXXX ), a collection account opened at eastern account system on XXXX XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were reported as late payments to XXXX, XXXX, and XXXX. XXXX and XX/XX/XXXX late payment I reached out to Ally and advised them as a goodwill can they potentially help me with the removal of late payments I had problems with payments being double processed and not taking out with my bank which I shouldnt be held accountable for Ally didnt work to help me and Im seeking help again to have late payments removed XX/XX/XXXX and XX/XX/XXXX payments shouldnt be reported late they setup a deferred payment to prevent being reported I also paid XX/XX/XXXX and XX/XX/XXXX payment before the 30 day mark which shouldnt be reported as late
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX XXXX immediately! 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX