davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
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)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have applied for personal loan with XXXXXXXX XXXX on XX/XX/XXXX about XXXX $ for 2 years term. It's declined. Everything was fair till this step and my Equifax Credit Score was around XXXX points. I got a letters after XXXX week of application about that showing my credit score is XXXX. My Equifax credit score was never below XXXX. This is incorrect information regarding my credit report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I looked upon my credit report and discovered the accounts that need to be deleted ; XXXX XXXX, Accounts Balance {$730.00} ; XXXX XXXX XXXX XXXX, Accounts Balance {$660.00} ; XXXX XXXX XXXX XXXX, {$930.00} ; XXXX XXXX XXXX, {$290.00} ; XXXX XXXX XXXX XXXX, {$200.00}
Consumer complaint received 2024-05-10
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. (TN)

Violation of 15 USC 1681b ( e ) ( 6 ) Your Company is in VIOLATION of 15 USC 1681b ( e ) ( 6 ). ALL CRA 's must maintain a joint notification system. I do so believe that this subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. This account and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. 

Account : XXXX XXXX Account # : XXXX
Consumer complaint received 2024-05-10
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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Recently i did an investigation on my credit report and found several items on there to be inaccurate under 15 US 1681e 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 to.

15 US 1681i Treatment of inaccurate or unverifiable information in general if after any re investigation under paragraph ( 1 ) of any information disputed by an consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall 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 re investigation and 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- {$3900.00}, Inquires XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX Closed Accounts XXXX  {$2200.00} Old Employers : XXXX XXXX XXXX, XXXX  XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've always ensured that payments on this account are made on time, avoiding any overdue payments. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (WA)

I've changed my homeowners insurance. From XXXX to XXXX. Old policy expires XX/XX/XXXX, new one set to start same date. I used their online message system to communicate this info to the mortgage company - Newrez.com, since they need to pay to premium from my escrow. No response. Sent email to the address they provided - XXXX - on XX/XX/XXXX ; it bounced back saying " Mail from domain not allowed : newrez.com ''. They dont have another email address published to try. Has the company gone out of business? How can I contact them> They dont respond.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the non-compliance of Equifax, XXXX, and XXXX with regards to inaccurate reporting of my personal information. Despite my repeated attempts to address this issue, they have failed to rectify the situation. 

In my previous correspondence with Equifax, XXXX, and XXXX, I have clearly stated that they are reporting incorrect variations of my address. This has resulted in embarrassment and confusion for me. I have provided them with the correct and legal versions of my personal information, including my full name, current address, date of birth, Social Security Number, and employer details. 

The incorrect addresses that need to be deleted from their records include XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX and XXXX XXXX XXXX XXXX, NC XXXX XXXX Additionally, the employers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX need to be removed as they are inaccurate. 

I am deeply concerned about the potential negative impact this inaccurate information could have on my future employment and creditworthiness. It creates the false impression that I have been residing at multiple addresses simultaneously, which is not the case. This could harm my chances of securing employment or obtaining credit. 

I have enclosed copies of my driver 's license, social security card, and utility bill as proof of my identity and correct information. I have made multiple attempts to resolve this matter directly with the credit bureaus, but they have failed to take appropriate action. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to ensure compliance by Equifax, XXXX, and XXXX. Their inaccurate reporting not only violates the Fair Credit Reporting Act but also puts my financial reputation at risk. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-09
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)

Last year in XXXX starting XX/XX/XXXX I was on my house/townhome journey. I started my XXXX application with a lender and with a XXXX grace period I shopped around with other lenders. I was told that I had a XXXX time frame to shop around with lenders so it wouldn't affect my credit or credit score. But i didn't know that they would all show up on my credit report as hard inquiries. I was told they weren't supposed to show, only the XXXX lender I shopped with and as long as the others were within the small timeframe window that they're not supposed to show up as hard inquiries nor hurt my credit score and they have. So, all the hard iquiries in XXXX of XXXX should be removed immediately from all XXXX credit bureaus. I don't know what XXXX is, I never applied through this company. I did apply for the XXXX XXXX XXXX  so I understand why that hard inquiry is there. 



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 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have certified mailed documents to the defendants. I have not received any response regarding how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants need to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I mailed a letter on XX/XX/XXXX to these companies asking them to investigate these incorrect reportings. The time frame in which they have to investigate and re report correctly has expired. 

Im filing this complaint to expedite the process, for my consumer rights have been violated and these companies need to be held accountable for their misreporting. 

Your attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (GA)

XX/XX/2023 santandander usa keeps calling me at all times of the night, XXXX they will threaten me even though i do payment plans the next agent who calls does not honor it, they tell me that if i do not make a payment they will garnish my checks XX/XX/2023 they called my place of work told my boss that they want to pull from my paycheck XXXX spoke with agent XXXX XXXX  explained my situation. 
homeless an living in car that everytime i get money I put it on my account. 
she offered to do a payment plan. 
i paid, but still keep getting calls at all hours and at work, they call 5 to 6 times a day, not including my work calls
Consumer complaint received 2024-02-01
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$430.00}
Consumer complaint received 2024-05-09
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. (MO)

This account was charged off on the following date [ XX/XX/year> ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX
Consumer complaint received 2024-05-09
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)

I received a letter from my mortgage company, XXXX XXXX, stating " CongratulationsXX/XX/XXXX has received and processed your loan modification agreement. '' And the first payment of {$1900.00} will be due XX/XX/year>. I submitted my first payment on XXXXXX/XX/XXXX as agreed per the contract. I recently took a look on my credit reports and noticed that XXXX has reported that my payments for the month of XXXX and XXXX of XX/XX/XXXX were late. This is not true. I have written them several time and they still have not deleted those 2two items. I also sent a copy of my signed agreement showing that my loan modification did not start until XX/XX/year>. I would like for XXXX XXXX XXXX to correct those two late payments on my reports, and take them off. I have included a copy of the the letter.
Consumer complaint received 2024-05-09
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. (AL)

XXXX Opened XX/XX/2024 Open Balance {$130.00}. I have no knowledge of this account! I have no contract with this company. This had affected my credit score.
Consumer complaint received 2024-02-01
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2024-05-09
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 2023-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

They closed the claim to my savings account. Someone went into my savings and took all I had in savings. {$14000.00}. They closed it stating it had to be me or someone that had my user name and password. It wasnt me and no one has been given my user name and password. Someone from Wellsfargo called me and text me from the wellsfargo number and took my savings.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently maintained prompt payments on this account, preventing any instances of overdue bills. However, I'm puzzled by the presence of late payment notifications on my records. According to 15 USC 1666b - Billing Error, this discrepancy should be rectified.
Consumer complaint received 2024-05-09
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 reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-09-22
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. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (TX)

We bought our car from global lending services in XXXX XXXX  for {$18000.00} it is now XXXX XXXX XXXX  and our payoff balance is {$16000.00} after us making {$470.00} payments since XX/XX/XXXX. When I asked them to explain they claimed it was put towards late fees along with charging extra fee amounts knowing my husband was serving overseas during that time
Consumer complaint received 2024-05-09
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)

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 2024-05-09
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 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.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 2024-05-09
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. (NC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.