davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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. (LA)

XX/XX/XXXX submitted complaint regarding self lead bank whom had md reported as 60 days late XX/XX/XXXX XX/XX/XXXX you responded it was deleted. 

Just from confirmation speaking with your office of consumer affairs confirmed not only was it not deleted but your office of consumer affairs even confirmed there was a late pay ad of XX/XX/XXXX on an account closed on XX/XX/XXXX she advised me up contact the lender. Right there in front of her was obviously inaccurate damaging reporting and yet did nothing about it.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I disputed an incorrect bankruptcy listing with this company. They claimed it was verified by XXXX. I contacted XXXX, which investigated and deleted the incorrect information. I then provided Equifax with a letter from XXXX confirming the deletion. However, Equifax continues to state that the bankruptcy is verified by XXXX.
Consumer complaint received 2024-06-08
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. (IL)

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.

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 informationisinaccurate.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am filing a report to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. The FCRA 605B mandates reporting any inaccuracies on a consumer 's credit report.
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (WA)

XXXX XX/XX/XXXX {$13000.00} was transferred from my XXXX bank account to a new Ally savings account. Im that time Ally closed the bank account so there was nowhere for the funds to land. Ally said they refused the transaction from XXXX XXXX  and the money was reverted to the original account. The money has not made it as of XX/XX/XXXX. I opened a dispute with XXXX XXXX, it was denied. XXXX XXXX  claims it is XXXX fault, Ally claims it is XXXX XXXX  fault. I have spent several hours over several days on the phone with both banks and with no success. 

Below is the information Ive document during that time : XXXX XXXX  info : Trace ID : XXXX Opened a claim on XX/XX/XXXX to claim my missing funds : Tracking ID XXXX XXXX Bank advised they Denied my dispute XXXX They reopened the dispute once I provided a new Trace ID that I was provided XX/XX/XXXX. 

XXXX Bank Told me to open up a police report and get a lawyer and that there is nothing more they can do. Called back with new XXXX ID from Ally XX/XX/XXXX and they reopened the dispute. 

Ally Transaction number : XXXX Amount : XXXX Original call requesting XXXX ID they claim they can not find Wont provide name of XXXX working in the case or put me in touch with anyone. They send me to an education inbox- nobody calls me back as of 4 business days later. 

XX/XX/XXXX Ally provide Trace ID : XXXX - Second Trace ID XXXX This is the XXXX XXXX  XXXX ID and not the one for reversing the funds. 

They claim they had an influx of identity theft problems on the week of XX/XX/XXXX and that XXXX have contributed to the problem. 

XX/XX/XXXX is the first day Ive been forwarded to a supervisor dispute calling several times and requesting to be As of XX/XX/XXXX this issue has not been resolved
Consumer complaint received 2023-11-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

I have many issues with them freezing my account when I try to transfer my money to my bank or even when I try to unlink or link my bank one day they let me and then the next my money is locked and I XXXX have this happening especially since I rely on it for work. I approached them many times they just tell me I need to use a government id to verify I do this it unlocks for a but then locks again and in this case I had just gotten money tried a few different ways to withdraw in wich they declined me each time only to freeze my account and request verification again. My account is frozen right now XXXX with about XXXX dollars, wich is key point to my living expenses and now I have to wait almost a week again to have them review my id again. They would not let me delete my account or anything just continue to tell me to wait for the process is done, this would not be an issue if it didnt keep happening but it has been, and now they are locking money in my account and refusing to unlock it or give me my money. They said its locked due to suspicious activity and they considered me trying to transfer to it my bank as suspicious and then say I have to wait because they have other things to do and then reply just to say I need to wait some more. This money is to help me love and they have no right suspending it with my money in there.
Consumer complaint received 2024-06-08
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. (NE)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX
Consumer complaint received 2024-06-08
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 am asserting my right to dispute and investigate these incorrectly reported accounts on my credit file. As per the Fair Credit Reporting Act, I should receive {$1000.00} for each erroneous report. I know that FCRA 605B obliges us to report any incorrect information on a consumer 's report.
Consumer complaint received 2023-09-20
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. (LA)

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 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 2024-06-08
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)

In accordance with the Fair Credit Reporting act account : XXXX, has violated my rights, 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 1692b acquisition of location information by debt collectors.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-08
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. (MS)

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

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 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 ) 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.
Consumer complaint received 2023-10-30
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. (FL)

I want to inform the Experian and XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these unauthorized inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
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. (VA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-08
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. (TN)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 XX/XX/year> 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 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 2023-10-30
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

This company has been giving me the run around for years now, and there seems to be no solution with them. XXXX gave me a predatory loan, and the court also knew that the loan was fraudulent. They have closed their door and supposedly transferred my loan to XXXX, also Newrez. I am doing everything to keep my home, and they do not want to modify my loan or look at my paperwork to help me catch up. I am tired of getting the runaround and not getting any younger. I am only looking for a solution, and they are trying to fraudulently take my home by raising the prices and adding unnecessary interest, knowing that I can not afford it. I need a Gap Accounting of the full loan and have not received any paperwork to this date
Consumer complaint received 2024-06-08
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. (LA)

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 XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report and found several item to be inaccurate. Under 12 U.S. Code 1681a ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. An item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on results of the reinvestigation, and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately. 

XXXX  XXXX
Consumer complaint received 2024-06-08
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)

XXXX XXXX and XXXX XXXX XXXX XXXX has used my identity to establish these accounts with out my authorization, these accounts is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr sheriffs department, if this account is not removed i will send a letter of intent to sur in court or by arbitration by thff to companies expense, i do not tolerate my information being used fraudulently to open any accounts in my name, i have tried numerous of times to talk to both companies they have failed to recognize with information i sent them i an a victim of identity theft and my information is being used and stolen by someone, please remove these accounts XXXX  and XXXX has failed to delete these accounts they have damaged my information and life i am a veteran im being taking advantage of please remove account As of now im also requesting that the CFPB request for a notarized affidavit that has all the information that was sent to XXXX and to XXXX as saying information was valid, because nothing was giving to me, under the law fair credit reporting stated that the information needs to be provided and processed to the individual requesting such information and documentation that has never happened so please remove and I demand that these accounts be removed immediately
Consumer complaint received 2024-10-15
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. (DE)

I am following up with the CFPB for the second time and relation to my one and only address i have provided the companies XXXX experience and XXXX with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus XXXX, XXXX and Experian and noticed the following information are in error : Names And Addresses and phone numbers I have filed a FTC report that i have attached to this document here today. The following are, Phone Numbers : are incorrect and is damaging my credit health ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize The inquiries which are listed in Ftc report attached Addresses that need to be deleted or updated : 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 I have given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be 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 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a collection letter from Midland Credit Management on XX/XX/XXXX stating that an account was in collections in my name from XXXX XXXX for {$610.00}. I contacted the bank, since I'd never heard of them nor ever received a statement from them. They sent me information that this account had been opened in XX/XX/XXXX with my name living in another state. It was paid on a couple of times before XXXX sold it to Midland Credit for non-payment. I was told that I had to state my case solely with Midland Credit. They determined that the debt was indeed not mine. I have been unable to have this removed from my credit report. XXXXXXXX XXXX placed a delinquent account on my credit report and say they can't remove it because they sold the account to Midland Credit. Midland says they can't remove it because they didn't place it. I have many complaints about this with XXXX and other credit bureaus, but they say their information is accurate even though I've sent a copy of the letter from Midland Credit Management stating that this isn't my responsibility. I want this fraudulent information off of my credit report.