davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (OH)

I am writing to formally dispute unauthorized inquiries that are currently appearing on my credit report. Upon reviewing my credit report, I have identified inquiries that I did not authorize or recognize. 

I would like to emphasize that I did not authorize or initiate any credit applications or transactions with the entities associated with these inquiries. Therefore, I believe these inquiries are unauthorized and should be removed from my credit report immediately.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have always made my payments on time, and I am certain of this. What I am not sure about is why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-10-31
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. (NJ)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX
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. (NC)

XXXX XXXX XXXX XXXX alerted me on XX/XX/XXXX, of a credit inquiry that XXXX XXXX XXXX submitted to equifax. However I did not apply for this service. Upon calling them XX/XX/XXXX at XXXX, they verified someone had attempted this and saw mailing info was incorrect they reported it to there fraud department and instructed me to submit a CFPB Report. As well they said the inquiry would be removed from my report and would take XX/XX/year> days. There contact information for any questions to this matter is XXXX.
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (IL)

I am writing to formally dispute unauthorized inquiries that are currently appearing on my credit report. Upon reviewing my credit report, I have identified inquiries that I did not authorize or recognize. 

I would like to emphasize that I did not authorize or initiate any credit applications or transactions with the entities associated with these inquiries. Therefore, I believe these inquiries are unauthorized and should be removed from my credit report immediately.
Consumer complaint received 2023-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I have a mortgage with Carrington Mortgage, during XXXX, when the CARES Act came about, I received a forbearance like so many others. I was told that before the end of the forbearance someone would reach out to me and go over the different options available to me regarding going back into payment status but most likely I would be able to get a loan modification and have lower payments. However, that is not what happened, no one reached out to me and no one went over the different options available to me. There was a $ XXXX payment made in XX/XX/2022 that was returned, that they would not accept, because it was not the full amount that was due although I was advised to make any payment I could if possible. I then went into repayment status XX/XX/2022, and all the funds were due in XXXX and by XXXX I was served with foreclosure papers. After calling, I was advised the only option I had was to do a quick sale of my home or the home will be foreclosed on. I was never offered any lower payments and during the forbearance period, the credit bureaus received late payment notices and it was reported that my home was in a preforeclosure status. I was able to receive assistance from the Homeowner Assistance Fund ( HAF ) which caught me up on my payments, but late payments that should not have been applied were and have been paid. I still have not been offered lower payment or any assistance from Carrington.
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. (NJ)

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 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: Experian Information Solutions 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 this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Opened XX/XX/20 XXXX {$0.00}
Consumer complaint received 2024-04-30
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. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (VA)

I closed on a mortgage loan on XX/XX/XXXX. A check was issued by mail overnight to me in the sum of {$11000.00} of extra money. I then took the check, deposited the check and immediately sent an electronic transfer to Goodleap the finance company. at this facility I have also a solar panel loan which Ive had for two years. I found out on XX/XX/XXXX that the funds intended for my mortgage in the sum of {$14000.00} an additional XXXX on top of the XXXX from the extra money was deposited to the solar panel loan instead of my mortgage line. I have requested the money back on the XXXX I received the check finally today which is XX/XX/XXXX at XXXX XXXX I also had requested that this company would reimburse lost interest due to the XXXX not being applied to my mortgage which accumulates interest on a daily basis. As of XX/XX/XXXX the mortgage went over to a new servicer called XXXX XXXX. I had requested that they try to do the transfer from the solar loan back to my mortgage loan before XX/XX/XXXX because thats when my account started occurring interest on a daily basis which that equals to {$24.00} and some change a day. today I go to the bank and Ill take the check and deposit so I can send the electronic transfer today for them to receive it tomorrow to go on my mortgage. I have got to wait now to XX/XX/XXXX before the bank will release my money because Goodleap institution of banking they use has refused to verify funds in the account so now at this point in time by the XXXX I will be losing, the sum of close to {$500.00}. I have made numerous contacts every day to this company they have put me to voicemail every time Ive sent numerous emails, which I will be glad to forward to you all about the situation they will not contact me so I am now contacting you, I feel due to their negligence and placing moneys in an account that did not match what the account number they were supposed to put it into, they owe the interest that this money has lost on a daily basis from that loan. Thank you for reviewing this and I hope to hear from you soon I am very frustrated {$14000.00}. Isnt a small chunk of change. I will be sending only the main correspondence with this company if you need more feel free to contact me
Consumer complaint received 2024-04-30
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has not removed two accounts from XXXX XXXX  that are not mine, then its a charge off but has a balance on both accounts. There inappropriately reporting incorrect information on my transunion credit file.
Consumer complaint received 2024-01-19
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)

i was in a very XXXX  relationship with my XXXX  husband who is now serving XXXX XXXX for his actions against XXXX  and my XXXX. i found several accounts he opened in my name that i had no knowledge of or had given permission to be opened. 
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. 

a ftc report has been filed and is attached to this complaint.
Consumer complaint received 2024-04-30
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. (NY)

Hello on XX/XX/XXXX I submitted a request to equifax to provide information about some charge off accounts listed on my account and until this day they have yet to respond to my request to fix this. They have yet to acknowledge me request.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found an incorrect item on my credit report. 
XXXX Bank Account number XXXX ************** XXXX {$610.00} This credit card account is unknown. 
I have not received or used this credit card.
Consumer complaint received 2024-06-12
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)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-04-30
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. (DC)

The vehicle was paid off since XXXX and it has been showing on XXXX XXXX system since XX/XX/XXXX. They illegally repossessed my vehicle and placed unauthorized charges on my credit report and I reported it to the IRS, FTC and to the CFO ; XXXX XXXX of XXXX XXXX XXXX. My vehicle is still showing paid off. I have giving this information to the Credit Bureau and it still showing on my Credit report. I am respectfully requesting the Credit Bureau to remove this inaccuracy, fraudulent, and false identity thief reporting off my credit report 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: EQUIFAX, INC. (GA)

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reviewed my credit report and there are many fraudulent accounts listed on my credit report. I will list the items attached below. 

When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (PA)

Refuse to help make some kind of arrangement to help with payments, refuse to allow to deferr even a payment. Now they are calling my employment office. I work in the field all day. My boss calls me and tells me he just received a call from ally financial asking to speak to me and began to elaborate on my financial situation to my BOSS!
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize he following inquiries listed below. there were not obtained with my consent. 

XXXX XXXX XXXX XX/XX/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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have recently initiated a dispute concerning certain entries on my XXXX, XXXX, and Equifax credit report. The rationale behind contesting these adverse entries arises from their inaccurate portrayal and non-conformance with XXXX compliance framework. The XXXX Compliance mechanism, collaboratively established by XXXX, XXXX, Equifax and XXXX, serves to ensure the precision of consumer credit reports. It has come to my attention that XXXX, XXXX, Equifax 's adherence to these stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. 

I have diligently attempted to rectify these inaccuracies with XXXX, XXXX, and Equifax 's assistance. Regrettably, despite the evident misreporting of the accounts, XXXX, XXXX, and Equifax has chosen not to elimnate the adverse entries from my credit report. For your convivence, I have appended evidence of my correspondence with XXXX, XXXX, Equifax 's accompanied by substantiation underscoring the jurisdiction for the removal of the negative accounts. My formal request is that you meticulously review the provided documentation in order to facilitate the expungement of these unfavorable elements. Enclosed within are materials substantiating the grounds for the requested removal. I kindly solicit your through assessment of the furnished evidence with the objective of effecting the elimination of the identified negative items.
Consumer complaint received 2024-01-19
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)

My information was bought and sold illegally because I was a victim of the Equifax data breach I want the negative items deleted from my credit report effective immediately I'm attaching proof that Equifax admitted that I was a victim of the data breach and Equifax has done nothing please help me delete these illegal accounts from my credit report
Consumer complaint received 2024-04-30
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. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX Owed : {$320.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00}.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
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. (NJ)

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 information is inaccurate.
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (WA)

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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

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.