davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Collector - XXXX XXXX XXXX XXXX The referenced account is disputed due to multiple discrepancies. 
The account listed on Equifax and XXXX does not belong to me due to the provided account number being incorrect. Equifax is showing the last 4 as XXXX, which is inaccurate. Therefore, I will not nor can I take responsibility of this account. 
Moreover, the vehicle associated with this account was repossessed on XX/XX/XXXX, yet my credit report does not reflect this ; instead, it erroneously shows a charge-off status. 
The remaining deficiency balance after the vehicle 's sale was {$5400.00} as of XX/XX/XXXX, but the reported balance for XX/XX/XXXX is inaccurate at {$7300.00}. The account 's balance for XXXX, XXXX, and subsequent months should have been {$5400.00}. Additionally, there are inaccuracies in the payment history on my Equifax file, inconsistent with the records provided by XXXX XXXX. Furthermore, there is no payment history on my XXXX file and XXXX fails to report this information altogether. 
In addition, my payments were due on a monthly basis with my contract showing 48 payments which is equal to 48 months. However, Equifax and XXXX show a term duration of 54 months. 
Each time this account has been disputed it was not noted by Equifax nor XXXX, and each time the resolution being that the account was updated. After further investigation each conclusion of a resolution, there were and remain no updates to the account. 
I demand the deletion of this account from my file due to these numerous inaccuracies, which violate FCRA 623. This serves as my final dispute notification. Per FCRA 623, I insist on the complete removal of this consistently inaccurate account. 

FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-05-13
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I feel that someone is using my identity. There is a social security number on my credit file that does not belong to me. My social security number ends in XXXX. I have listed the accounts that does not belong to me below. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below.

I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. SOCIAL SECURITY NUMBER ENDING IN XXXX THIS IS MY SOCIAL SECURITY NUMBER.
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (NJ)

I purchased a home at XXXX XXXX XXXX, XXXX, NJ, XXXX for {$450000.00}. They claim they have no record of me ever having a mortgage agreement with them. I believe I also initially filed a report on here and Wells Fargo did reach out to me after. However, they claimed they have no records of me ever purchasing a loan or mortgage with them, so I assumed I was out of luck until my son found the information from the municipal courthouse of XXXX with the docket number and who, why, what and when. I asked them how is that possible? I remember sending the down payment of my life savings of almost {$72000.00} to Wells Fargo NA ( I do not recall the rest of the name but for some reason I do recall it said 'Wells Fargo NA ' no clue why NA after ). 

I missed a payment and told them I would have it in a few days. A gentleman who called me from Wells Fargo, told me not to make the payments as he told me Wells Fargo will offer some relief on the interest rate if I was having trouble making the payments. He told me it would take 2-3 months to revise the interest rate to a lower percentage and revised amount would be billed to me with a savings of a large amount ( I believe it was around {$300.00} a month savings I am not certain as some time has passed ). A few months later, I did receive a bill with a slew of fees, title fees and all this and that. I told them I was not informed of these charges prior because I would have never consented to it, and I just wished to pay my original monthly mortgage amount. They told me that is not possible anymore, and no payment would be accepted unless in full, and if I could not pay this amount a foreclosure would commence. I sent the remaining balance of the old mortgage payments, but it was never accepted. It seems they just wanted me out of there as soon as possible as if it was nothing to them. They did nothing at all to assist me keeping my forever home. I asked for resources, and they told me there was none. 

I was baffled and my family of five prepared for the worst. I had no clue what was going to happen, but I knew it was not legal nor ethical. How could they just take my home? I came to this country for these protections. They told me it was the 'end of the line ' and it was not wells fargo problem any longer. After the foreclosure, I never recovered financially and am renting with my wife to this day and relying solely on social security as well gov't subsidies. My current is rent is {$2400.00} and my mortgage was {$2700.00} monthly, which hurts me deeply. This caused my children to naturally resent me and call me XXXX  dad when it was not even my fault. If it was my fault, I would sleep a little better at night.
Consumer complaint received 2024-05-13
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)

upon checking my report on XXXX, there is a social security number of # XXXX which does not belong to me. There are also addresses, accounts and 24 inquiries which are not mines.I have notified the Credit Bureaus about this issue on several occasions. I would like to have this social security number and all associated activities removed immediately. I have sent copies of my social security card, drivers licence and FTC reports to Equifax. I have also sent over my Social Security card and ID via a link which was sent from Equifax while on the same call to verify my identification. 
The representative told me that i had to mail the documents for a 3rd time. They are not willing to assist me, Upon requesting to speak to an supervisor, I was told that was not possible until the documents are sent again.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Dear Sir/Madam, I am writing to bring to your attention significant discrepancies and inaccuracies in the credit reporting information associated with my account. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i, I request immediate action to rectify these errors, as they are in violation of FCRA 15 USC 1681i ( 5 ) ( A ). 

Upon reviewing my credit report, I discovered inconsistencies and incomplete data pertaining to the following account : Account Number : [ XXXX ] Account Type : XXXX XXXX Type Detail : XXXX XXXX Bureau Code : XXXX Account Status : XXXX Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX : XXXX, XXXX and Equifax : XXXX High Credit : {$1600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : XXXX : Late 30 Days, XXXX and Equifax : Current Last Reported : XXXX and XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX Comments : XXXX and Equifax : Closed or paid accountXXXX balance, XXXX : XXXX The discrepancies between the reported number of months/terms and the payment status are particularly concerning. These inaccuracies not only misrepresent my credit history but also potentially harm my creditworthiness and financial standing. 

I demand that the aforementioned inaccuracies and inconsistencies be promptly investigated and corrected in accordance with FCRA regulations. Specifically, I request the deletion of any incomplete or inaccurate information as per FCRA 15 USC 1681i ( 5 ) ( A ). I urge you to take immediate action to ensure the integrity and accuracy of my credit report. 

Please provide written confirmation once the necessary corrections have been made. Failure to comply with this request within the timeframe mandated by FCRA regulations will result in further action, including legal recourse if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
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. (FL)

Good afternoon. I'm XXXX XXXX on XX/XX/year> I checked my consumer credit report. There's a lot of inaccuracies and malicious items that are hurting my chances to life a better a life. I would like for them to be removed immediately. Thanks.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have called this company several times to no avail. The calls are outsourced to the XXXX and nothing ever gets solved, I'm always getting transferred to multiple people that still don't help after they verify me, when I have given all of my sensitive verifying information, they say they are not the right department, say that they will transfer me to the right dept, that dept picks up and then the whole cycle continues and I've gotten no where. XXXX opened up a secured account without my consent. I had it closed but they are still reporting to the credit bureaus that it's open and that the credit limit is {$160.00} and of that {$160.00} was used and therefore, my fico scores have been low because of this for quite some time now. I want this company held responsible for not having reps that can actually solve complex concerns, for opening this account without my consent, for reporting to my credit file errors, for reporting to my credit file in general. I want someone to take care of this and no one has been able to, which has led to numerous phone calls, time spent and personal credit damage.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Notice to Agent is notice to principal notice to principal is notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. XXXX and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means. 

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title .15 USC 1681 ( a ) the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithms not a factor where the consumer report is concerned
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

THIS ACCOUNT WAS ORIGINALLY WITH XXXX XXXX  IN XXXX, THEN TRANSFER TO XXXX XXXX, THAN XXXX XXXX  IN XX/XX/XXXX, THEN TO XXXX XXXX, THEN TO XXXX XXXX XXXX, THEN BACK TO XXXX  LAST XXXX. 

XXXX XXXX HAS FLAGGED THE ACCOUNT AS 30 DAYS PAST DUE THE ACCOUNT IS CURRENTLY ON AUTOPAY FOR {$1000.00} THERE WAS NEVER ANY DOCUMENTS SENT TO ME VIA EMAIL, OR CERTIFIELD MAIL STATING THAT THE MORTGAGE WAS TRANSFERRED TO ANOTHER CREDITOR. ALSO I NEVER RECEIVED ANYTHING FROM MY BANK THAT A PAYMENT WAS RETURNED. 

THE PAYMENT IS DUE ON THE XXXX OF EACH MONTH. PAYMENTS WERE DEDUCTED TWICE LAST MONTH ON THE XXXX OF XXXX, AND THE XXXX OF XXXX, THEREFORE HOW AM I LATE? 

SPOKE TO A CUSTOMER SERVICE REP ON WEDNESDAY XX/XX/XXXX AND THEY SAID THAT THEY DID NOT SEE A 30 DAY LATE PAYMENT ON THERE END BECAUSE OF THE PAYMENT BEING DEDUCTED TWICE IN ONE MONTH.
Consumer complaint received 2023-04-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (TX)

I never gave any consumer report agency written consent to to report southern management systems to my consumer report, which holds an amount of {$2000.00}. I never lived at this residency before, and no consent is considered identity theft.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I not received a collection notice from your organization this is posted on my credit and need to be removed also I wont them two 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5.Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA.!!!!!! They are violating these laws. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) so please removed from my credit profile of all 3 bureau thank you. XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Company : Equifax I submitted documentation to freeze both of my XXXX  children 's credit. After carefully reviewing the information on Equifax 's website, I gathered identical information for each child and sent XXXX packets of information ( one for each child ) in the same envelope via certified mail. I made sure to include a note that there were requests for XXXX children within the envelope and each child had their own packet. 
About 10 days later, I received confirmation that credit was frozen for XXXX of my children but a ) mind and their last name was spelled incorrectly on the confirmation letter and b ) I did not receive confirmation for my second XXXX  child. 

I called Equifax to find out what the status is of the second XXXX  child 's credit freeze and to confirm the name for the child with the successful credit freeze. 

The first customer service agent I spoke to informed me that I would have to resend the second child 's information because it " probably didn't have the right documentation ''. After I pushed back repeatedly and said that each child had the same documentation, I asked to be transferred to a supervisor. The supervisor continued to tell me repeatedly that I needed to send in new information and that they could not check on the name dispute. There was no effort to help my situation and the supervisor refused to transfer me to someone who could help. It was obvious I was dealing with a call center who had no insight into my situation or power to help me. It appears that I wasted a bunch of time carefully preparing these documents and I have no way to confirm if my child 's credit is frozen. 

I consider XXXX  credit freeze to be a scam for Equifax and am extremely disappointed.
Consumer complaint received 2024-09-07
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. (NJ)

I XXXX XXXX, I reviewed my credit report and found the following items and addresses to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months