davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (MI)

I have tried several times to have fraudulent student loan removed from my name. It is removed from my credit report, but yet MOHELA still will not take action on this student loan. I have sent in all documents, along with police report and signed ID theft affidavit that I signed in front of a notary.
Consumer complaint received 2024-01-22
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)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (CO)

I called XXXX to dispute a fraudulent account on my credit report that I did not apply for. The first representative refused to help so I got transferred to a manager, the manager was also no help and when I requested what documents they had received, the representative hung up on me.
Consumer complaint received 2024-01-22
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)

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.

has violated my rights. Or a list of inquiries : 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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. The status needs to be changed to " PAID, CLOSED/NEVER LATE ''. If not changed i will be forced to take legal action Heres the list that has erroneous inaccurate info on my credit. Must be REMOVED immediately!!!! 

DEPT OF ED/XXXX Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX CREDIT CORPORATIO Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

I am writing this letter to address the delinquent accounts listed on my credit report. Recently, I received a copy of my credit report, which has prompted me to question why my information was shared without my consent. It deeply concerns me that such inaccurate and incomplete information is being disseminated, causing me undue stress and anxiety.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A late payment shows on my report for XX/XX/2024. I've tried to have this removed by the creditor who reported this to the bureaus. This late payment is not accurately reporting and was not applied to the report under legal jurisdiction. It has affected my report and also affects me from receiving future loans, and getting the best interest rates available. I've never had a late payment with XXXX XXXX  or any other company in all of my 26 years of having credit. For 26 yrs payments have been made on time, and this is disheartening to see me being taken advantage of after doing the correct thing for so many years. The balance of this account is {$1900.00}. Monthly payment is {$61.00}. This mistake is costing me thousands right now because I am unable to receive a school loan for my daughters college tuition from lenders. I have currently been denied by 2 of the top lenders already. Only utilizing 52 % of my total credit limit. There's also unauthorized inquiries from Bank of America and XXXX. This needs to be fixed immediately.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these items are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$42000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$21000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, Bankruptcy XXXX XXXXXXXX Date Filed XX/XX/XXXX Docket Identifier XXXX
Consumer complaint received 2024-01-22
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)

XXXX XXXX is still reporting information as correct ; they keep updating the new dates. 
I have tried to dispute this account and still no resolution. 

XXXX XXXX XXXX Equifax is the only company reporting this account incorrectly. XXXX and XXXX.
Consumer complaint received 2024-01-22
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach. The engagement number Equifax assigned to me is : XXXX. The breach has cost me time and money trying to repair my credit and Equifax has ignored I submitted a claim on XX/XX/24 for the breach and I will attach a copy of that as well. 
( CLAIM # XXXX )
Consumer complaint received 2018-04-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

After the pandemic, banks, and the main mortgage guarantors meaning FHA, RDA, the VA, as well as government mortgage companies XXXX XXXX and XXXX XXXX granted grace periods or offered mortgage relief options through my mortgage loan servicer in my state to their customers affected by COVID-19. 

I reviewed my consumer report and noticed that I had 3 late payments on a mortgage account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report accurately. 

Please investigate and provide proof with statements showing that these payments were late. If proof cant I demand these payments be updated to on time as they should be as I was never late. 
Thanks.
Consumer complaint received 2024-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Burns Auto Credit, LLC (SC)

Per 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. Burns Auto Credit LLC has used unfair & deceptive acts pertaining to holder in due course rule. The proper NOTICE was enter in the contract : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. : However, under notice - it contain additional language with limitation & restriction on my right to assert any claims and defense as note holder per Federal Trade Commission Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers ' Claims and Defense. PER Federal Trade Commission if contract has additional recitals which limit or restrict its application, I as the consumer may assert, by way of claim or defense, a right not to pay all or part of the outstanding balance owed the creditor under the contract ; but the consumer will not be entitled to receive from the creditor an affirmative recovery which exceeds the amounts of money the consumer has paid in.
Consumer complaint received 2024-01-22
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. (CA)

Over 60 days ago I have been contacting these consumer reporting agencies as they are accessing and reporting and furnishing information that I NEVER authorized. I demand the following inquiries hard and soft be removed immediately as they are reporting and furnishing information that i NEVER authorized. They are causing me damage, harm, and illegally reporting and furnishing information without my consent. They owe me violation fees for illegal use of my Credit file. I need you CFPB to make sure they get these inquiries that I never consented to removed and deleted immediately. They are not complying and I am suffering from stress and harmful XXXX  caused by these non affiliated corporations and they are abusing me and my information. 

I need the following inquiries to be deleted and removed from my credit file and I need my file updated as I have instructed below. I am tired of the abuse of these corporations and companies violating me and my rights. This is against the LAW. 

Delete NOW!!! 
I NEVER CONSENTED TO ANY OF THESE INQUIRIES. MY information and informed use of credit has been illegally accessed. BY law Every single PERSON Must have my Written consent and permissible purpose and my signature from me allowing these reportings and transactions, which I NEVER gave them. They MUST send me a copy of ALL the transactions and letters proving that I consented to XXXX, Equifax, and XXXX. They Must provide me a copy of ALL transactions accompanied with my written letter and my written consent to furnish my information. If they do not have a copy then they are in breach of contract, committing securities fraud, and I will check my file and if they are not removed as i have requested, I will also be notifying the IRS for their illegal and bad business practices : 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 XXXXXX/XX/XXXX Done in good faith, Without prejudice By : XXXX : XXXX, XXXX Agent For : XXXX XXXX Principal Without recourse . All Rights Reserved
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

On my Equifax XXXX Credit report there is an account for XXXX XXXX Bank. This account is being reported as a charge off with a XXXX balance and paid. I supplied Equifax a memo from XXXX XXXX stating that this account was Paid with a current balance of {$0.00}, there is no mention of a charge off. I requested multiple times from Equifax to supply the documents that was furnished to them with regards to a charge off and they have neglected to do so. As a result, this has had a negative impact on my credit report and per XXXX XXXX, Equifax is obligated to disclose the documents that are used to substantiate the information that is report on the XXXX Credit report.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have reached out numerous of times to Equifax, due to an inaccurate account reporting on my consumer report which is listed below. I requested that they re-investigate and they have failed to verify this account and did not provide me documents to prove this account belongs to me. I do not recall this account at all and it has been reporting on my consumer report since XX/XX/XXXX. 

For my understanding, 15 U.S.C. sec 1681i ( a ), you must complete this re-investigation within the receipt of the original request, and if it is not done, the information should be deleted immediately. Well this was not done and Equifax did not comply, so I am asking for you to assist me in this matter.

Account Name : Not listed on my consumer report ( charter communications after research ) Charged off closed on XX/XX/XXXX Account Number : XXXX Amount of {$790.00}
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

XXXX XXXX was opened in XX/XX/XXXX and closed around XX/XX/XXXX. This account has been paid in full but it is still being reported to my credit. This account should have been deleted from my credit profile. 



Account Number : XXXX
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I made a {$1000.00} payment via XXXX ( What Bank of America offers its customers to conduct P2P transfers ) for the purchase of a pinball machine found on XXXX XXXX. The payment was made to a XXXX XXXX XXXX in XXXX. MO. Funds were sent to XXXX 's alleged wife, XXXX XXXX XXXX via email - XXXX.On XXXX I sent the remaining balance of {$3500.00} to XXXX using the same payment format ( These funds were sent from one of my other Bank of America accounts ) . XXXX confirmed he was preparing the pinball machine for shipment and advised he was using a freight company called XXXX XXXX XXXX, which is a legit shipping company. XXXX also provided his phone number in case I had any additional issues or questions ( XXXX ). XXXX confirmed the machine was picked up on XXXX/XXXX/XXXX and would be delivered to my residence on XX/XX/XXXX. On XX/XX/XXXX I requested the bill of laden for the shipping company from XXXX. XXXX stated he would send it to me asap. No bill of laden was ever sent. After no word from the shipping company on XX/XX/XXXX, I called them. The representative I spoke with didn't have any record of a XXXX XXXX scheduling a pick up, nor were there any deliveries scheduled for my address. I immediately attempted to text and call XXXX. Come to find out the phone number was a computer generated number and it appears XXXX had hacked another XXXX account. I have since been blocked from that XXXX XXXX. To this day I have not received a pinball machine or refund from XXXX. Bank of America took my compliant however denied my claim of {$4500.00}. I have been a loyal customer of Bank of America for over 20 years. I have also filed fraud claims in the past where they have provided provisional credit for claims I had authorized. Although the monetary amounts were much smaller, I feel that Bank of America is refusing to help due to the significant dollar amount involved in this fraud. " World Class Customer Service '' they claim. Not so much. Extremely disappointed.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened XX/XX/18 Balance {$3000.00}
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Though I have disputed before and it was removed before. They are allowing a different collection agency re-add incorrect information to my credit report. It says that I owe XXXX for an account that I had with XXXX XXXX XXXX. When I XXXX, I paid all fees and I received my diploma. I even have my account to show that I left the school with a {$0.00} balance.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

I have requested multiple times to Equifax to resolve my credit profile as someone else 's information has shared under my name and sin number. That person has very bad credit in the past and that is affecting my credit score as well. Requested Equifax multiple times to change my address on file but nothing has been updated. Requested Equifax to remove accounts from my file which were not mine and still they are on my profile. All the accounts were verified by bank but still no update from Equifax. Equifax has already checked everything and updated my credit score but after few days everything comes to file the same as before.
Consumer complaint received 2024-01-22
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)

The account XXXX XXXX XXXXXXXX on my credit report was scheduled for removal after seven years, in line with the FCRA regulations. Furthermore, there is an alleged balance of {$1300.00} but this debt is uncollectible due to the statute of limitations. The statute of limitations in the state of Texas is 4 years! To my concern, XXXX has diligently followed this timeline and removed the aforementioned account from my credit report. However, XXXX and Equifax have failed to align with this standard and has not taken the necessary steps to remove the account, indicating a clear violation of the FCRA. XXXX XXXX has already been notified that the account should be removed, and that the debt is uncollectible. I sent dispute letters to both Equifax and XXXX over 10 months ago. I urge XXXX and Equifax to rectify this discrepancy promptly by initiating the removal of the specified account from my credit report, aligning with the FCRA guidelines. You are also reporting incorrect data such as the date last active and payment history. Your immediate attention to this matter is crucial in ensuring compliance with federal regulations and preventing any further complications. I trust that you will take swift action to resolve this issue and provide confirmation of the removal within 7 days being that this is long overdue. Please see the attached credit report and the dispute letters which are dated, and time stamped.
Consumer complaint received 2024-04-24
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. (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.

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