davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Hello, I have mailed certified letters to Equifax, faxed requested information on multiple occasions, and filed online disputes in the last three months in an effort to contest inaccurate information on my credit report with Equifax. Equifax is claiming that I do not have any credit history with them. I found this out by attempting to unfreeze my credit report this year in XXXX with them which I initially froze on XXXX/XXXXXXXX2017. I was advised to initially put this freeze/temporary fraud alert on due to the Equifax data breach. First the data breach, now the protection from the data breach is doing more harm than help. It seems that I have just disappeared from their database without any explanation. In my letter I explained to them that I needed this request expedited because Im in the process of applying for a home mortgage which requires a Tri-Merge credit report from all three credit bureaus, and they will not allow me to proceed without my Equifax report. My request were met with multiple phone long calls where I was transferred around in circles to multiple departments, and never once did anyone resolve my issue. They continued to request the same information which I had already sent, and the end result was always the same. I believe their has been a database error on their part, and no solution has been provided. Im getting concerned that they have mixed up my name and SSN # with someone else. Im at my wits end with Equifax, and I do not know what to do next because Ive been trying for months to remove the fraud alert, and they are saying I do not have a profile with them which is bogus. I have lost out on expediting my mortgage process, and Im still in limbo with the lending company Im working with due to Equifax. Any assistance is greatly appreciated, and Im attaching the documents that I sent to Equifax already.
Consumer complaint received 2024-05-21
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. (PA)

Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the it item I am asking you to verify as accurate : Account Name - XXXX XXXX XXXX XXXX Account Number - XXXX
Consumer complaint received 2024-05-21
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

The bankruptcy currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. It is imperative that you promptly remove this account from my credit file. The XXXX XXXX XXXXXXXX case number XXXX should be deleted immediately as it is fraudulent. Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within 30 days of this letter, legal action will be initiated.
Consumer complaint received 2019-06-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Disputed a account from XXXX XXXX, on my experian credit report. Submitted dispute on XX/XX/2019, account was deleted on XX/XX/19. On XX/XX/XXXX I recieved three notifications at the same time. One my dispute was open, second it was almost complete, third was to view my results. Since I havent disputed this account I opened and saw they reinserted the credit acceptance account. I called experian, they said they give a company 30-40 days to respond XXXX XXXX failed to respond so they deleted the account. But credit acceptance responded on day 104, so experian reinserted the account. I asked why I havent received a 5 day notice of reinsertion. He said the dispute results were my notification. Seems Experian workers dont know simple credit laws.
Consumer complaint received 2024-06-07
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. (LA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
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: Experian Information Solutions Inc. (MI)

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

In accordance with the Fair Credit Reporting Act, everything has to be XXXX % 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 XXXX  % accurate.
Consumer complaint received 2024-05-21
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 am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has consistently failed to fulfill these legal obligations in handling my case. 

The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-05-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ABOVE ACCOUNTS/INQUIRIES WERE NOT AUTHORIZED.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Representative, I am writing to formally request your assistance regarding an issue I have encountered with my credit report, specifically concerning inaccurate information reported by Experian and XXXX. 

I have recently reviewed my credit reports from both agencies and found that they are reporting a negative account which a XXXX  XXXX account. XXXX that is not only incorrect but also misleading. The account in question is, XXXX which has been marked as negative despite being closed and having always been in good standing. 

This erroneous reporting has negatively impacted my credit score and my ability to secure credit. I have taken steps to resolve this matter directly with Experian and XXXX ; however, my requests for corrections have not been addressed satisfactorily. 

I kindly request that the CFPB investigate this matter and compel both Experian and XXXX to remove this inaccurate account from my credit report. I believe this will not only rectify my credit history but also uphold the standards of fair credit reporting. 

Thank you for your attention to this urgent matter. I appreciate your assistance in ensuring that my credit report accurately reflects my financial history. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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. (VA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (NY)

XXXX  months ago i changed banks and put all the information for Hyundai motor to take my monthly payments, however there was a problem because the money went through than days later it did not go through according to Hyundai. since than i been on the phone communicating with customer service and been paying XXXX every week for the last month to pay XXXX month and my current month since i was only XXXX month ( XXXX ) behind. Now that i speak to Hyundai they are telling me i still owe for last month ... Can some please help me as i feel im helpless and might not keep paying them!! 

P.s every time i asked to speak to a manger customer service refuse or hang up which i believe is against my consumers rights and they sent information to my credit which is not accurate saying im in delinquency.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation. ''
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Accurate Reporting ( 15 U.S.C. 1681s-2 ) : The FCRA requires that all information reported to credit bureaus be accurate and complete. If a charge-off shows an incorrect balance or omits critical information ( such as ongoing litigation ), this may be a violation of the FCRA. Creditors and debt collectors must update credit reports to reflect any changes, including account status due to litigation.

Duty to Correct Inaccuracies ( 15 U.S.C. 1681i ) : Once an inaccuracy is disputed, the credit reporting agency and the furnisher ( creditor or collector ) are required to investigate and correct any inaccurate or incomplete information. Failing to do so violates the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ) False or Misleading Representation ( 15 U.S.C. 1692e ) : If the account is under litigation, reporting a balance without disclosing the status or inaccurately inflating the balance could be considered a misleading representation under the FDCPA. The law prohibits debt collectors from providing false or misleading information about the status or amount of a debt.

Unfair Practices ( 15 U.S.C. 1692f ) : Reporting a debt inaccurately or misleadingly during ongoing litigation can be seen as an unfair practice, as it may harm your credit score and make the debt appear worse than it is. 


XXXX XXXX  and XXXX XXXX are reporting account open and with a balance.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (LA)

Request a dispute against XXXX on XX/XX/2024 upon trying to resolve a flight arrangement and rental car appointment. I selected a completely different flight! My flight was set for XX/XX/XXXX from XXXX XXXX : am ( XXXX hour layover ) and return XX/XX/XXXX XXXX XXXX am. The information first submitted by XXXX confirmed the dates on XXXX XXXX XXXX. However, on XXXX I received a booking from XXXX XXXX that leaves me in XXXX on XXXX for over XXXX hours ( I have XXXX XXXX  ) and arrives in XXXX XXXX XXXX pm and the rental car agency closes at XXXX : pm leaving me stranded in a foreign country. The route back to XXXX drops me off in XXXX at XXXX am overnight and I will not arrive to XXXX UNTIL XX/XX/XXXX! XXXX states that I should have looked at my itinerary to cancel within XXXX hours! The iteniary sent lists the date of return on XX/XX/2024. 
Since my last speak with XXXX, they have replaced the misleading confirmation with a detailed one. The latter would have immediately allowed me to cancel this flight reservation. As of today, XXXX, XXXX states that it will not alter the flight or rental car reservation. I must request Best Buy to not " honor '' such a transaction and to do so in a timely manner!
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (MS)

This is the follow up complaint. XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$220.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3500.00} XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} EMVLP, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed XXXX {$2400.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 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 XXXX business days after the date of receipt.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report and I saw addresses on there that are not correct. I looked up your website, I have enclosed proof of my current address that you require. 

The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. 

Here is a list of the incorrect addresses, please remove them : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (TX)

XX/XX/XXXX I did not have my phone. It was stolen. I got it back and saw someone transferred money from my cashapp account. I have in total XXXX transactions that I disputed. XXXX out of the XXXX were refunded. For some reason cashapp refused to refund the second stolen payment despite already refunding the exact identical payment made an hour prior to it. And the XXXX made after it. I disputed this payment 3 times and each time I requested info. Cashapp lied about claim numbers being wrong even though the claim number given was received by from a csr agent who I asked for it from. And then I spoke with a manager going over the reason for the transaction. They told me the second time I disputed I answered a question wrong went back and fixed it and because of that they denied my claim. Well that doesn't answer why they denied it the first time. I wake up to another denial and my account closed. I am done with cashapp. But they don't get to determine that despite my phone being stolen along with money, that because of a question I corrected on a second dispute filing that I am now responsible for the theft of my money when XXXX other times they agreed my money should be returned. And closing out my account because they denied my claim is cowardice. Cashapp is clearly at fault and they should do better about protecting their customers from fraud. They have no legitimate reason for denying my claim when they already have a history of returning the other stolen funds while my phone was stolen. And thinking that closing out my account will prevent me from moving forward on this denied dispute was a huge mistake on their part. I will take this as far as I have to to prove that cashapp has been operating under practices that support scamners and thieves and not the consumers that use their product. I won't move forward with cashapp ever again but I want my XXXX dollars back that was stolen from me. And cashapp has an obligation to refund it based off the fact they agreed my phone was stolen and refunded XXXX of the XXXX payments the scammer stole.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
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 my credit file
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (IL)

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$710.00}