davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. This is being reported inaccurately on my credit file, please remove this from my credit report. I should receive a {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Accounts on XXXX Credit Report Dear Sir/Madam , I am writing to dispute several accounts on my XXXX credit report, as they are inaccurately listed and do not belong to me. Despite my repeated attempts to resolve this matter, I have encountered significant challenges in disputing these accounts online, particularly through XXXX. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in rectifying this issue. 

The accounts in question are as follows : XXXX XXXX Account : Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off Balance : {$3000.00} Address Associated : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX Bank Account : Account Name : XXXX Bank Account XXXX : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off Balance : Not specified Address Associated : Various addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX I assert that I am a victim of identity theft, as I have never opened accounts with XXXX XXXX or XXXX Bank. Additionally, the addresses listed in association with these accounts are unfamiliar to me, and I have never resided at any of these locations. It is evident that these accounts have been erroneously reported to my credit file, causing significant harm to my creditworthiness and financial standing. 

Despite my efforts to dispute these accounts online, I have faced obstacles, particularly with XXXX, which has made the process arduous and unproductive. Therefore, I am seeking your intervention to ensure that these inaccuracies are promptly addressed and removed from my XXXX credit report. 

I kindly request that the CFPB investigate this matter thoroughly and facilitate the removal of these fraudulent accounts from my credit report. I am also open to providing any additional information or documentation to support my claim of identity theft. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (NM)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX 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 All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-17
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. (DC)

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

In XXXX XXXX  I requested all my covid payments refunded to me under the CARES act. They said they would start that process. In XX/XX/XXXX my covid payments were added back to the balance of my loans. I was told the check was sent to me in early XXXX. In XXXX I called back advising that I had not received my refund check. They stated they would place a stop payment on the check and resend it. I never received that check either. Each month I have called asking where the refund check is. Finally, I was told the check was mailed out on XXXX XXXX XXXX XXXX and I still have not received a check. Each time I call NelNet it is a 3+hour hold and each time I speak to a rep they tell me something different. I am at my wits end with them. I don't know where to go from here. Now they are telling me to wait another 60-90 days.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three Credit Bureaus ( XXXX, XXXX, and Transunion ) are falsely reporting on XXXX XXXX ' accounts and lying saying that it's from 3rd party collection agencies. It's from a department within their agencies. The Credit Bureaus are bombarding us with advertisements to pay for their service when they no longer have federal standing. Since they have access to all of us, they are reporting falsely on purpose and when they are found in error they do not put the score back where it was. We are being monitored by a team that monitors the deep background of our profiles watching for late payments. But because they do not know the terms and agreements for late payments they falsely report thinking they won't get caught and citizens assume they were reported, when the company may not report until after 30 days. I have been attacked since XXXX. Their error stopped me from getting a XXXX XXXX  among other things and I lost everything. Three times in the past 3 months there was a paid account from XXXX  they put back on my credit knowing that I had paid it. To tell you the truth my score should be XXXX by now. It has taken me years to fix things because they will refuse to change things even when you have proof. I feel targeted and discriminated against. The latest issue was a few days ago when They deducted XXXX points for late payment. I contacted the Company they said reported me because we are under a written agreement. I have an email that states they did not report me. My XXXX XXXX  was being misused by a charity and XXXX decided to prevent further fraud to void the card and order me a new one. So I made arrangements and provided the business with proof that the money was in my account but I have to wait on the card. The company agreed for me to pay next XXXX. The next day I was XXXX. They even allowed a XXXX XXXX XXXX to submit an eviction that had no court order. The Owner lied and resubmitted his false evictions to claim us for XXXX to get money from the government when he no longer owns the property. I showed the XXXX XXXX proof of this and they did nothing. I have provided the company email stating they did not report me.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, XXXX XXXX My score dropped from XXXX points from XXXX to XXXX in the last 20 days. 

I have less than {$3000.00} collections. 
100 percent on time payments. 
No Bankruptcy. 
No loans. 
No Mortgage which was paid on time when I did have mortgage. 

Again this is discrimination, I have supported docs of my current situation. 
As a now XXXX first responder close to 30 years. 

I now still remain XXXX 
Now need knee XXXX. 
Still have pending XXXX claim since XX/XX/year>.
Consumer complaint received 2024-08-13
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (KY)

I use way2go prepaid card for my child support card and when money was deposited onto my account about {$30.00} was missing and when I went to go use the money at ATM it wouldn't let me get no money out. So I tried to call customer service and there is no way to talk to a person or to get any information. I've called several related numbers to the way to go program and there is no possible way of getting a hold of customer service or a person to help me with the situation. This is not okay especially if the government 's going to use it for child support money or if the government 's going to use this type of prepaid card at all
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

A XXXX XXXX credit card account was opened under my name and identity with Synchrony bank on XX/XX/XXXX and the person who opened the card immediately charged {$3200.00} on it. I received a notification from XXXX from XXXX XXXX that a new account was found under my name and immediately called XXXX to close the account since I did not open the account. I was not even in the country when it happened. XXXX advised that they will close the account and investigate. On XX/XX/XXXX, I've received a letter noting that the account has been closed, major credit bureaus have been notified, and an investigation has been initiated on their end. On XX/XX/XXXX, I've received a letter in the mail from XXXX stating that the fraud claim has been rejected because I've " authorized, participated in, or benefited from the purchase ''. I called them and they stated that the XXXX XXXX receipt shows my name and address so I must've been the XXXX to make the purchase. I've contacted a lawyer who suggested reporting to the police. I've contacted the police and an investigation was opened and assigned to a detective but I have not heard of any progress. I've reached out to the FTC 's XXXX and went through all the steps but did not resolve this issue. Finally I've contacted idtheftcenter.org and was told to report to the CFPB. I'm hoping this will resolve this issue once and for all since my credit score is really taking a hit for something I did not authorize.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

To Whom It May Concern : I am writing to file a formal complaint against Experian for failing to properly reinvestigate and remove two inaccurate late payments from my credit report, in violation of federal law. 

I disputed these late payments on my XXXX account with account numbers XXXX and XXXX because they are incorrect and negatively affect my credit score. Under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), Experian is required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information on their credit report. 

Despite my request, Experian has failed to correct these errors after the reinvestigation process. This is a clear violation of the aforementioned laws, which mandate that credit reporting agencies must ensure the accuracy and completeness of consumer information. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to ensure that Experian fulfills its legal obligations. I ask that they reinvestigate my dispute thoroughly and remove the inaccurate late payments from my credit report. I would also like to request a copy of the reinvestigation report and the procedures followed by Experian during this process.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: HUNTINGTON NATIONAL BANK, THE (MI)

A mortgage loan officer from Huntington Bank contacted me to give me options on being pre-approved for a mortgage loan when I began looking for a home to buy. He has given me several pre-qualification letters since XXXXXXXX XXXX XXXX stating that I was pre-qualified for a loan from between XXXX and {$120000.00}. Based on that information I have subsequently spent {$400.00} on three separate home inspections believing that I would be able to purchase a home the closing on the homes did not work for other reasons however he had me believing that I would be able to
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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. (IA)

I have tried to call Transunion and explain that the hard inquiries i have in my transunion account are fraud they were not me here is a list of the fraud inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> i want these fraudulant inquiries removed from my credit report
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. (VA)

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and inquiries on my Equifax credit report THE ACCOUNTS ARE un accurate And By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to furnish this account Without proof of Written consent
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

Juno finance has frozen our accounts and we can not access our money starting on XX/XX/2024. There is some issue between XXXX XXXX  and XXXX, and apparently Juno was aware of this before the funds were frozen. I currently have {$30000.00} cash in Juno and want it back immediately. Juno blames XXXX for the funds being withheld. XXXX blames synapse for filing bankruptcy. Its been 3 months and I am still unable to access my funds. I am surprised FDIC/US gov is still not doing anything and doing blame game.
Consumer complaint received 2024-05-17
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. (VA)

I saw an unfamiliar collection on my credit report and needed validation. 
I mailed a letter to all 3 credit bureaus asking to verify this collection. They responded verified.

I mailed a letter to the 3rd party collection asking for validation of debt. They never responded. My question is how did the credit bureaus verify with them and i cant get a response back from my " CERTIFIED LETTER ''? The FDCPA states that they have to provide this information. FCRA states that the credit bureaus must provide the method of verification if requested. I asked them for that as well.

In the attachments you will see that the credit bureaus received my letter, per the updated status. Also, the certified mail to the collection agency. 

PLEASE DELETE
Consumer complaint received 2023-08-30
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: SANTANDER HOLDINGS USA, INC. (GA)

I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. 

The 3 most recent occurred on XX/XX/23 from Santander Consumer, XXXX XXXX, and XXXX XXXX on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them.

I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation