davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-05-24
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. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

According to my Experian credit report, there is a statement indicating that I had a repossession In XX/XX/year>. However, after cross-checking with XXXX and XXXX, it is clearly stated that I do not have any repossession on record. 
This discrepancy is concerning to me as it may adversely affect my creditworthiness and financial standing. I kindly request that you investigate this matter and remove the repossession status from my Experian credit report immediately. Additionally, I would appreciate receiving a copy of my updated credit report reflecting this correction. 
Enclosed with this letter are copies of my credit reports from XXXX for your reference. These documents clearly show that there is no repossession listed on my accounts with these credit bureaus. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Consumer complaint received 2024-05-24
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
1. The following personal information is incorrect Employers : XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The XXXX XXXX is a Non Governmental Organization that has the authority to verify my XXXX.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed inaccurate inquiries. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are inaccurate. Also, 15 USC 1681s-2, 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. 12 CFR 1006.34 ( c ) ( 4 ) ( l ) have not been given the chance to dispute account ( s ).
Consumer complaint received 2019-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (TX)

Received a letter to pay off account in the letter states for me to call and if I need to arrange payments in installments when I called requested full payoff will not work with me to pay off balance. Expecting a call back from supervisor never returned call
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not accurate. 
According to 15 USC 1681s-2, 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. Additionally, 12 CFR 1006.34 ( b ) ( 5 ) Collection agency has not provided validated info but placed collection ( s ) on consumer report.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Copy of credit report by calling the Equifax and XXXX XXXX phone numbers. Both agencies are more interested in trying to sell a credit monitoring service than to give to me my free annual credit report. I need a copy of my Equifax and XXXX XXXX credit report to be mailed out to my home address immediately.
Consumer complaint received 2024-06-18
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

After reviewing my consumers report a few months ago, I noticed there were a few accounts listed that aren't mines. I have never in my life heard of these companies reporting nor have I ever given out my personal information. I need these accounts removed immediately ; this is ruining my reputation. 

XXXX XXXXXXXX XXXX  - Owing {$3300.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX Owing {$480.00}. PostedXXXX 
Acct # : XXXX XXXX XXXX Owing {$980.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX Owing {$1000.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX Owing {$940.00}. Posted XX/XX/XXXX Acct # :XXXX
Consumer complaint received 2024-06-13
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. (PA)

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have reporting errors, including inaccurate amounts and dates.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-24
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. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I SAW THAT MY CREDIT REPORT WAS REPORTING SOME UNAUTHORIZED INQUIRIES AND I DON'T KNOW WHY THEY'RE ON MY CREDIT REPORT. PLEASE CHECK THE DOCUMENTS I'VE SENT.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

To whom it may concern, I just checked my XXXX credit report and I've come across a lot of unknown credit inquires and I never consented of this and don't recall. I refuse this to allow this to sit on my credit report when I didn't authorize any of these company to run my credit. All of these took action on XX/XX/year>. These companies and bank include XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MCI Mortgage Inc (TX)

I entered a forbearance agreement ending on XX/XX/year>. The terms were to make the monthly mortgage payment for XXXX ( approx {$4200.00} ) in the beginning of XXXX and also pay off the total delinquent amount ( approx {$17000.00} at the time ) at the end of XXXX. I unfortunately lost my job during this period, and lost my projected income. I instead tried to make a hardship withdrawal from my retirement account. I had an issue transferring funds, which took additional time for me to get the amount needed. 

I was still able to get the total full amount to make the delinquent payment before the end of XXXX - I offered to make the full payment before the end of the month. However, I received notification that the mortgage company would not accept payment ( even though I was able to pay the full amount ) and had initiated foreclosure ( date set for XX/XX/year> ) I contacted a HUD counselor on XX/XX/year> who also contacted the mortgage company directly- but the refused to speak with her directly - instead directing her to the lawyer, who has not responded. 

The mortgage lender has since refused to speak with me directly, instead directing me to their lawyer, who also has not been responding.
Consumer complaint received 2024-05-24
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. (MD)

Equifax XXXX and XXXX are reporting adverse information on my credit report despite me sending debt validation letters to the company and them not responding with information requested. 

on XX/XX/XXXX i requested in my letter sent certified mail I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following from you : 1. Validation of the account ( Actual Accounting ) 2. Verification of your claim against me ( a sworn affidavit or hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes, and the Federal Fair Credit Reporting Act.

3. A copy of the contract signed by both parties therefore binding both parties 4. Please also provide me with a true certified copy ( NOT photocopy ) of the original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this note has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud and or mischief. Your said failure to provide the documentation within ten ( 10 ) days, from the date above, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; or It has already been paid in full ; AND That any damages suffered, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You agree to pay all fee schedules.

Please note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, those calls could constitute harassment and I may take action under Section XXXX of the Protection from Harassment Act XXXX. 

As such, my account was closed XXXX with no other updates since then.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

When I went to view my credit report, I noticed that I had multiple accounts on my consumers report that were fraudulent. I've never heard of any of these companies at all and i have never given anybody my information. Who are these companies? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (KY)

Do you job you are fully incompetent to call each student loan holder that you stupid XXXX have the student loans holder phone number the information was sent to XXXX credit bureau by the department of education that the loan was from all students loans is closed this company failed to complete the first dispute filed this year in XXXX XXXX and XXXX on all student loans this is fraudulent activity by XXXX contract the department of student loans today and thats facts call each loan holder and I bet they crack your face completely open XXXX is trash and the facts of life is I have no reason to lie to you are nobody else listen up XXXX you are trash once you contact the student loans department remove this bull. Asap thats the facts of life you failed to do you job consumer and a judge should not have to make you follow the law you are stupid who every failed to verify these students loan need to be fired today get up off your XXXX and call each student loan hold you are stupid clearly stupid you need to be tested for drugs because this dont make any sense call the loans holder right now or resign from your position in XXXX today do your job
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , are fraudulent. Also, according to 15 USC 1681s-2, 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 2024-05-24
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. (NY)

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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I am a victim of identity theft. The information attached 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. 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 proofofmyidentity and my Proof of Address.