davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (NM)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX La XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX, XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX
Consumer complaint received 2024-10-14
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)

I was notified thru Credit Karma of a numerous amount of inquiries on my credit report upon checking my credit I realized that I did not make these inquiries as I already have accounts with with XXXX XXXXXXXX and XXXX XXXX.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
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. (CA)

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 2024-10-14
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 identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
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)

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. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Therefore I would like my privacy to be respected. ) 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. ( At no time at all did I give ANY type of instructions, written or verbal.

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 ) states 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. I went ahead and highlighted the inaccuracies in the attached documents from the three consumer reporting agencies. 
Examples of these inaccuracies are, ( 1 ) In XXXX XXXX XXXX history XXXX XXXX payment history is showing as Unknown, and in Equifax the payment history is showing as 44 potentially negative months. ( 2 ) Equifax is showing XXXX and XX/XX/2023 payments for XXXX XXXX as being on time even though it should have been documented as CO for that period. These are just some inconsistencies, please see the attached documents for a full comparison. 

These inaccuracies are impacting my ability to purchase a house for my family. It's also preventing me from being able to apply for and attain employment in various fields.
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. (MS)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Experian ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Incorrect Name : My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

Outdated Address : My current residential address is [ XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ], while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXC - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX******* Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-13
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. (OH)

I recently challenged a bankruptcy on my credit report and the bureau claimed they investigated the bankruptcy and said it was verified. Its my understanding that the bureau suppose to report complete and accurate information. If they truly investigated Then why are all 3 three bureaus are reporting different things XXXX is not reporting a bankruptcy at all, XXXX is saying I petition for Bankruptcy and Equifax is say the bankruptcy has been discharge also the courts name dont match and other information. Im attaching a copy of my credit report and ID
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

We filled out a Request for Mortgage Assistance with Select Portfolio Servicing ( SPS ) back in XXXX of 2023. We received numerous requests for clarification and additional information, all of which we complied with. Then there 'underwriting ' circled back and started rejecting our XXXX because they wanted more information - the same information requests that we had already complied with and uploaded as requested. They dragged this process out for months, repeatedly asking for information that they already had and our calls and conversations with their customer service team never resolved the situation. Then they said our XXXX information was out of date and required that we resubmit a new XXXX with updated information- which we did again. They they started all over rejecting our XXXX for the same reasons they used last time and we again uploaded clarification and documents that complied with their requests and should have resolved the issue. Every time they circled back and started rejecting and requesting the same clarification and documents that were already on their system. Dozens of calls with their customer service team never resolved anything. We even requested a complete transcript of all our calls and documentation uploads and they refused, telling us our attorney would have to send a letter to their attorney to receive this information. After reviewing complaints about SPS on the better business bureau site and filing my own complaint, and now reviewing the complaints about SPS here on this site and filing this complaint, it is clear that they have a policy to do everything possible to reject any XXXX requests. They never intend to grant anybody mortgage assistance, which should be fraud, potentially class action fraud.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
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)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Balance - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXX opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXX opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXX- $ XXXX opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXXDEPT OF ED - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX/DOFED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DOFED- Account NumberXXXXDate opened XX/XX/XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-26
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. (MD)

This account was charged off. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history and a violation. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated rights 15 USC 1681 ( e ) b. I am demanding a deletion of the following accounts as they are affecting my credit profile tremendously : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CA)

" As of XX/XX/2024, Robinhood has restricted my account for no reason other then telling me after a review of my account a temporary restriction was placed to safeguard my account. 

I have around { {$26000.00} } in the account, and not letting me to transfer funds back to my Checking/Saving accounts. 

I keep calling every day since XX/XX/XXXX, and customer service say look for the emails for updates. I got emails from support on XXXX, XX/XX/XXXX, and XX/XX/XXXX with no additional information and no ETA when my funds will be available. 

" Thank you for your patience. I can certainly provide an update on the remaining funds being returned to their originating source. 
It looks like there was a delay, but can assure you that we are working on getting the funds returned. For additional information please contact the originating bank. Upon the completion of this process your Robinhood account will be scheduled for deactivation. 
Again, I apologize for any inconvenience this caused. If you have any additional questions, feel free to reach out to me or our support team. ''
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX and XXXX XXXX XXXXXXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

This is in reference to information contained in Report Number XXXX, in regards to account : XXXX XXXX XXXX XXXX. 
This account contains erroneous information that is harmful to my credit worthiness and continues to be reported by Experian as verified in violation of 15 US Code 1681i ( 5 ) Experian refuses to properly investigate said account and remove it from my credit file. They have continued putting hurdles in front my best efforts to request said account be properly investigated. They are not even allowing me to submit a request for re-investigation through their system online. 
For the record I would like to point out that both XXXX and XXXX investigated this account. They both deleted it from my file. But for some reason Experian always seems to waive its magic wand and come back with a reason to keep reporting erroneous information in clear violation of the fair credit reporting act.
Consumer complaint received 2024-10-14
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.