davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (OH)

I am reporting identity theft on two collection accounts on my credit report. Below is attached an affidavit. The accounts are XXXX XXXX XXXX Amount : {$6000.00} XXXX XXXX XXXX Amount : {$190.00} I have reached out to both of these companies about these accounts. i requested a signed purchase agreement with them. neither could provide a agreement that i signed with them. i have no accounts with either of these people. i have never had an acount with either company. and when i spoke to the lawyer he said not to pay them. and that they bought those accounts so by law i dont owe them anything. and them reaching out and putting on my credit is considered identity theft. neither company has provided a signed purchase agreement with them. and i just would like them off my credit report.
Consumer complaint received 2024-06-12
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. (IN)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2024-06-12
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. (IN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (FL)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 however, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (AL)

Linebarger Goggan Blair & Sampson, LLP sent me a second notice of unpaid tolls and fees. I have never been to Delaware. If they are not scammers, it can be there someone had stolen my old car plate and used it.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my other endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

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. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/24 I received a letter from Bank of America ( BOA ) thanking me for opening 3 " Business Advantage Relationship '' accounts. I DID NOT OPEN ANY ACCOUNTS AT BOA. On XX/XX/24 I entered BOA at XXXX XXXX XXXX, XXXX, MA. I spoke to " office business solution advisor XXXX XXXX phone number XXXX XXXX XXXX her email is XXXX. The purpose of my visit was to inform BOA of fraudulent activing involving me, XXXX XXXX and my company, XXXX XXXX. During this visit XXXX gave me three case numbers : XXXX ) Case # XXXX for Account XXXX XXXX ) Case # XXXX for Account # XXXX XXXX ) Case # XXXX for Account # XXXX. The following day I received 3 letters from BOA. Each letter is addressed to XXXX XXXX XXXX. The letter states they are working on my claim and they demanded additional information. I am EXTREMELY UNCOMFORTABLE providing such information to them. I do not trust them. The fraud department should do the investigation! After all, if they are legitimate, they can find the information online! They sent me a letter on XXXX XXXX stating that my cliam is closed. I am writing you because BOA needs to be help accountable for opening fraudulent accounts online!
Consumer complaint received 2024-06-07
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

I was given a forebearance during XXXX. I was able to resume payments but because I am self employed they have made it impossible to resume making payments even though I called to offer them XXXX months when the forbearance ended. I have not been contacted by anyone from the forbearance team meanwhile I have been pushed into foreclosure several times and had it kicked out for failure to prosecute. I just want to have the cares act balance added to the end of my balance and allow me to resume making payments. I would have never entered into a forebearance had I known there was a possibility of being denied the ability to resume making payments. This has been a terribly horrible experience and I have spent hours on the phone trying to resolve the issue. My first court date is XX/XX/year> and no help is forthcoming.
Consumer complaint received 2024-06-07
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

We requested a Covid 19 forbearance in XX/XX/scrub> 2023 which was approved. At the end of the forbearance, we deferred the payments to the back end of the loan. I've been informed that this type of activity should not be reflecting negatively on my credit report however our mortgage company, ( NewRez Shellpoint ) is reporting it as XXXX late payment on my credit report. This is negatively impacting me as I'm looking to sell my house and buy a new one. My husband is a Veteran and not able to get a VA loan due to this being reported incorrectly.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

3 days ago I realized my Equifax score dropped over XXXX points which was crazy to me in a matter of a day, there were remarks added and now I notice on XXXX XXXX ( XXXX ) collections on Equifax but when logging onto Equifax there have not been any collections reported. Please delete or update as it was prior to this data error. 

My Equifax score 3 days ago days was XXXX and as of XXXX it changed to XXXX it decreased over XXXX points and I cant figure out why. I looked to review any changes via XXXX XXXX and it stated there were over XXXX remarks added! Initially, I had not realized there were collections being reported, they are being reported via credit karma. When I login to my EQUIFAX credit report there are no collections. 

I have attached a file of credit karma as well as a report from Equifax on XXXX and XXXX where there are no collections reported. 

I am not sure whats going on but it looks like my data is getting mixed with someone else. 

Thank you
Consumer complaint received 2024-06-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

The reason I haven't tried to fix the issue is why I am here. They forced me into a modification and they have raised the costs of my loan significantly. I have since learned that I had other options that were not only more equitable for my situation, but I was also deceived regarding my rights and they increased my debt substantially, which defeated the purpose of my forbearance in the first place. ( I asked about this prior to making my decision ). Also, throughout the duration of my forbearance I continuously received conflicting information from different employees and I became confused. I also informed them of this because I am XXXX and I struggle with my XXXX XXXX  and I was going around in circles to find help and they were adding to the problem by confusing me about my options and obligations. Now I have to pay more than ever and I am struggling to make my payments. And not just my mortgage payments are affected because I have difficulty managing my finances by myself. I have difficulty managing my life in general. Prior to the forbearance my loan was at 3.75 % and backed by the VA. Now I am at 7.25 % and I don't know if I have a VA loan or a conventional one. And I think that it is no longer fixed either. I am not able to tell you that part only because I don't understand it well enough to speak to it with confidence. But I do recall that I read those things on my documents. However I don't know if it was just information about the type loan or if it was the actual documents. I was misled and misinformed. And they have sent me a few forclosure letters throughout which frightened me horribly and then, recently they sent me a Payoff letter which i did not request. I was also told that I have a new lender but Carrington refused to share with me who they are. And I have been instructed to continue to work with Carrington Only.
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc. (NJ)

XX/XX/2023 I received an email that Experian was investigating a dispute & on XX/XX/2023 its was complete no change. Upon calling the company I disputed they informed me there was no correspondence with Experian! 

15 U.S. code 1681 ( e ) b and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The Fair Credit Reporting Act states that the reporting of my credit has to be 100 % correct
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. (VA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I am formally disputing the inclusion of the credit card delinquencies from XXXX XXXX XXXXXXXX and XXXX XXXX on my credit score, citing violations of the CARES Act provisions. These delinquencies arose during the COVID-19 pandemic, a time of significant hardship for many, including myself. Despite communicating my late payments to the creditors and explaining that they were due to circumstances beyond my control, such as a natural disaster, these delinquencies were still reported on my credit report. I believe that under the CARES Act provisions, which aim to protect consumers facing financial difficulties during the pandemic, these delinquencies should be removed from my credit report. It is essential that my credit report accurately reflects the challenges I faced during this unprecedented time and does not unfairly penalize me for circumstances that were beyond my control.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Full name requires correct input to software for proper database storage and name association with XXXX ( XXXX ) full name XXXX XXXX. abbreviation name mandate was entered into system with excess characters to first name that is XXXX characters and autoformat unable to place space independently did not provide bank credit report or consumer report to excess character input. During interview the XXXX entered name into database incorrectly due from routine and did not enter XXXX character first name as mandated with XXXX ( XXXX ) abbreviation rule with space. There's no lower case letters allowed before the shortening of a name the bank has on file with association to Social security number an XXXX ( XXXX ) computer input error where abbreviation was ignored and credit denied.
Consumer complaint received 2024-06-03
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. (RI)

XX/XX/year> I read an email from XXXX saying my credit received a hard inquiry from a credit card account I did not sign up for. this came from Experian. I tried logging into Experian to file a dispute or fraud claim and could not remember my password. though it said I'd used the email before, I tried entering my phone number and it didn't match their record. I tried my house phone and that didn't match either. I clicked forgot username, entered my DOB and social, and an email was sent to an address that IS NOT MINE. I tried calling Experian and had an extremely difficult time figuring out how to talk to a live agent, and hours later, even after taking to multiple agents, I still don't have my account back. the email, phone number and even possibly the security question have all changed. Experian says they elevated the claim but I still have not received an email or call from them.
Consumer complaint received 2024-06-03
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)

My Complaint is with all 3 Credit Bureaus TRANSUNION XXXX XXXX XXXX They all have me at a XXXX XXXX @ XXXX instead of the Standard XXXX XXXX XXXX. 

I PAY ALL MY BILLS MY HOME XXXX CARS XXXX BILLS XXXX CREDIT CARDS ARE ALL PAID XXXX PAID FOR YEARS ON END YET THEY LOWBALL XXXX BLACKBALL ME @ XXXX INSTEAD OF THE STANDARD XXXX. 

What these Credit Bureaus are doing to me is Wreckless Illegal n Extremely Discrimintory. I'm XXXX XXXX XXXX not XXXX. 

Any Help I can get to Resolve this in good faith is Greatly Appreciate. 

Regards XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I froze my credit as my information was leaked in a data breach and received an email confirmation. 

On XX/XX/XXXX I tried to unfreeze my credit to apply for a credit card and a bank account. The website and password recovery was not working despite spending an hour trying. I called the number from my freeze email conversation and spent XXXX min on various phone trees trying to get assistance either with the website or with unfreezing my credit. The phone tree said it would unfreeze my credit and provide me a confirmation number but bugged out and never provided XXXX. I was unable to get an agent despite saying I need XXXX several times and was told they could only connect me in " special circumstances '' but not what those circumstances are. I even tried to reach out through twitter but have not heard back.
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (IL)

Experians XXXX XXXX XXXX : A Hidden Case of Consumer Protection XXXX Affecting XXXX XXXX I have an account with Experian that I have been trying to cancel for many months. However, I have encountered significant difficulties due to the use of XXXX XXXX in their XXXX XXXX, intentionally complicating the cancellation process, and forcing me to engage with the platform to update my billing information before I can cancel my account, subsequently charging me before I can cancel the membership. I am unable to access my account without updating my billing information. 

I am an expert in XXXX XXXX, and they are engaging in consumer fraud. This is considered 'Forced Engagement '. The practice is illegal in the United States, and many places worldwide, including the XXXX XXXX. 

Forced Engagement This occurs when a company uses manipulative techniques to keep users engaged with their product, even if they want to stop using it. For example, a company might make it difficult for users to cancel their subscriptions or continue bombarding them with notifications after unsubscribing. 

Given Experians extensive reach, with data on over XXXX XXXX individuals and businesses, including XXXX XXXX individual XXXX consumers and more than XXXX XXXX XXXX businesses, the statistical and financial implications of a forced billing update requirement before account cancellation are significant. 

This practice raises serious ethical and liability concerns, as it not only undermines user trust but also violates consumer protection laws. 

I urged Experian to address this issue promptly and allow users worldwide to cancel their accounts easily and transparently, indicating that failing to comply could lead to further public scrutiny and legal challenges.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have had a promotional interest rate of 0 % on my credit card for months. In the XXXX statement it was acknowledged as such expiring XX/XX/year>. Then abruptly the interest rate shown on the XXXX statement was given as 25.24 %. I've tried to discuss this with the issuing bank but they don't respond.
Consumer complaint received 2019-06-28
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. (FL)

Ive noticed that after I dispute some information the Credit Reporting Agency ( XXXX, XXXX, Experian ) like to leave comments on each account. 

I have asked them in multiple letters to remove ALL comments from each account, especially the words, Dispute Resolved - Consumer Disagrees or Consumer disputes after resolution and Comments that include the payment history??? Why is this even necessary, these comments are intentional AND detrimental to me personally, financially, and to me advancing my career. 


I have NEVER asked that these statements be made on my behalf. These statements/comments should be erased immediately.
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (AZ)

There are 3 unauthorized inquiries on my credit report, some a day right after the other that I would like removed. 

According to the FCRA these unverified and unauthorized accounts must be removed. 

They are not tied to any open accounts nor were there written consent for such reporting. 


XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 XXXX