davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I checked my credit report this morning and I saw that there were inaccurate accounts. I tried logging in and logging out of my account, but when I logged in again, the inaccurate accounts were still there. I have no idea why those showed up on my credit report but I do know that I want them removed, so please thoroughly look at the documents I've sent.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Whom It May Concern, I am writing to formally dispute and request immediate action regarding an inaccurate auto loan that has been re-added to my credit report by Equifax. Despite this account being previously removed, it has now reappeared on my credit report, which I find unacceptable and damaging to my credit standing. 

The auto loan in question is with XXXX XXXX  and it was resolved and removed from my credit history on [ XXXX XXXX AND BACK ON MY CREDIT XXXX XXXX I do not have any outstanding balance or obligation related to this account, and its reappearance on my credit report is a clear mistake. 

I kindly request that you : Investigate this matter immediately. 
Provide a written confirmation once this erroneous account has been removed from my report. 
Ensure that no negative marks associated with this loan are impacting my credit score. 
I have attached copies of relevant documents, including previous correspondence regarding the removal of the account and any supporting records to verify my claim. Under the Fair Credit Reporting Act ( FCRA ), I expect a timely investigation and correction within the XXXX period as required by law. 

Please acknowledge receipt of this complaint and update me promptly on the status of the resolution. I trust this issue will be handled with the urgency it requires, as it is affecting my financial standing. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I previously disputed this account stating I never had a contract with this debt collector for any debt. I asked them to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete this account. I also asked them to mail proof of the investigation of the debt .I still have not had any response.
Consumer complaint received 2024-07-24
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 am a natural person and I have rights. under 15 usc 1681 .I have the right to a fair and accurate Credit report. I have been affected by Equifax admitted data breach which you CFPB penalized them for. I was highly affected and demand remedy in the form of not only limited to but starting with deletion of these inaccurate accounts of off my credit report. Equifax is ruled under 15 usc 1681. they violated my rights numerous of times. 15 usc 1681 states I have the right to privacy. I have never given Equifax written permission to furnish these accounts under my credit report, its a violation. it's hurting my life and family. 

accounts delete XXXX delete XXXX delete XXXX
Consumer complaint received 2024-09-18
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. (IN)

On XX/XX/year>, I submitted a dispute to Equifax regarding fraudulent accounts that were added to my credit report without my knowledge or consent. The dispute package I provided included : A police report documenting the fraud, Proof of identity ( government-issued ID, Social Security card , utility bill ), A request for GAAP-compliant verification of the disputed accounts, and An FTC Identity Theft Report submitted on XX/XX/year>. 
Initially, Equifax blocked the fraudulent accounts, which was the correct action per FCRA 1681c-2. However, Equifax is now attempting to validate the fraudulent account from XXXX ( # XXXX ), despite having no valid proof or proper documentation to support the account. The XXXX account was previously reported as fraudulent in the documents I provided. 

On XX/XX/year>, Equifax claimed to have " verified '' the account but did not provide XXXX documentation or the original signed contract as required. Instead, they relied on creditor-supplied information without ensuring the accuracy and validity of the debt. This " verification '' process does not comply with FCRA, which requires that accounts reported as fraudulent be fully validated with complete documentation. 

Additionally, Equifax has continually misrepresented my name in communications, further indicating a lack of thoroughness in their investigation and processing of my dispute. Despite my efforts to correct these inaccuracies, Equifaxs continued attempts to validate an account without proper documentation have resulted in financial harm and further damage to my credit standing. 

I demand that Equifax ceases all reporting of this account and provides the XXXX verification and full original documentation of the debt. Until then, the account must be permanently removed from my credit file, and Equifax should comply fully with all FCRA and FDCPA standards.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXXXXXX XXXX account XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TRANSUNION 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 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. 


TRANSUNION Never 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
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (PA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (AZ)

During the beginning of the year in XXXX, my previous employer underwent some financial hardship which directly affected our household income. We tried to manage for sometime before we got into a place where we could no longer manage. Our bills were starting to back up and we did not want our mortgage to default. They reassured us that it would not but it was their policy is that we had to default on our mortgage in order to be eligible for any assistance. 

So in XXXX of XXXX we reached out to Rocket Mortgage to see what our options were such as a loan modification. They said the could help us by putting us on a forbearance for 3 months to reduce our mortgage payment while we try to get ahead and look for another job. During our call they said we would have to default on our mortgage in order to be eligible for any assistance. This was a little scary because we did not want to foreclose on our property. They just didn't know what that looked like but when we defaulted and applied for the application for success they would have a better idea what we would be eligible for. So we did default on our mortgage from the direction of Rocket Mortgage. Then on XX/XX/XXXX we were approved for the application for success to be put on a forbearance for 3 months at a monthly payment of {$1000.00}. Our regular mortgage is {$2000.00}. We completed the 3 month trial period as per the direction of Rocket Mortgage. Our 3 months were up and we still needed some more time to get in a better place. So they approved us for another 3 month forbearance at {$820.00}. We completed the XXXXXXXX XXXX month forbearance trial as per Rocket Mortgage guidelines. They stated that as long as we complete the trial within their guidelines, we would be eligible for a loan modification to bring the mortgage current. So both trials were completed successfully. Once the XXXX trial was completed, Rocket Mortgage stated we were approved for a loan modification to bring our mortgage current. There was no payment reductions but they were able to bring the forbearance difference and put it on the back end of the mortgage by simply doing a loan modification. On XX/XX/XXXX the loan modification was approved. 

Rocket Mortgage stated when the mortgage becomes current from the loan modification, our credit report would not show late in any way. It would roll off like nothing every happened just as long as we stick to the guidelines of the forbearance and loan modification. As of today XX/XX/XXXX it still shows on our credit report preventing us from being approved for any loans and student aid for our children. 

I contacted Rocket Mortgage again on XX/XX/XXXX and they said there was nothing they could do for us.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (FL)

I am asking the following inquiries be deleted immediately from my credit profile. I have reached out to the companies to ask for validation of these inquiries with no response. I have not applied for the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24
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)

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  XXXX XXXX  XXXX  {$9100.00} XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXXXXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 consists of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being 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 XXXX 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 2024-07-24
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'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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (KY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (AL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-08-30
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I see items on my credit report that I dont recognize, which makes me suspect identity theft since I didnt authorize these accounts. Ive raised this issue before, and Im requesting that these accounts be removed promptly. Their presence is causing me significant stress and misrepresents my true credit history and financial behavior. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are a major barrier to achieving my financial goals, such as buying a home and supporting my family. I hope we can address this issue soon.