davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or list of inquiries 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 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report that requires correction. After a careful review of my credit report, I noticed that there are late payment entries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on my account. I would like to request your assistance in investigating and correcting this inaccurately reported information on my credit file.
Consumer complaint received 2024-04-08
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. (NC)

I sent a request to XXXX XXXX and Experian back on XX/XX/year> and I did not get any results from my request. 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX acknowledged my request and corrected my credit file. They removed the items listed below. 

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  I am sending copy of the results from XXXX with XXXX that you will acknowledge my request as they have and remove the listed accounts. Thanks in advance.
Consumer complaint received 2024-01-02
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (PR)

I sent the XXXX request about a month ago ( late because before that the system wasn't working ), and it still hasn't been processed, now I received a bill that I can not afford to pay, and I'm wondering if I'm actually expected to pay it even though I have a submitted but unprocessed XXXX.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am SO DONE WITH YOUR BUREAU regarding the presence of inaccurate and fraudulent accounts on my credit report. I am certain that I do not owe these debts, and the circumstances surrounding these entries are deeply troubling. Despite updating my address with the creditors when I moved, the debtors quoted my old address when I contacted them. This discrepancy raises serious concerns about the accuracy of the information provided. I never received any notifications or correspondence regarding these debts, leaving me no time to dispute them. The impact of these fraudulent accounts on my credit report is not only financial but is also taking a toll on my mental, physical, and emotional well-being. I am distressed by the violation of federal laws, and I implore you to take immediate action in deleting these entries from ALL three credit reports. 
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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation.
Consumer complaint received 2023-05-08
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. (NC)

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX Balance : {$11000.00} ; 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 2024-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (FL)

I dont know which company name plaza Services and XXXX XXXX XXXX This company post some debt on my credit report and I did not own any money with those company. I try to contact them but no one can explain to me where is the account come? They just tell me to pay it, but I have never do any business with those company. Please help me investigate this matter! Thank you so much!
Consumer complaint received 2024-01-23
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. (NV)

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. 

Account Name : XXXX Account Name : XXXX Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Early Warning Services, LLC (CA)

i think its XXXX  that you and your agencies are blocking my ability to make a living.. just because i overdrafted a few bank account by not a few XXXX your not allowing me to have any finacial tranactions im having problems cashing a money order.. most of the negative XXXX on my file is due to idenity theft..
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I made two payments to my credit card. One payment was made on XX/XX/XXXX for {$630.00} and another was {$310.00} made on XX/XX/XXXX. These payments were both drafted from checking account and posted on XX/XX/XXXX. Today, XX/XX/2024 at XXXX cst, I called Synchrony and inquired why one of the payment I made was not credited to my account even though the representative I spoke with acknowledged that synchrony already received the payment. The representative told me that one payment was held because i made two payments and it will be credited to my account on XXXX XXXX. This is not the first time Synchrony did this same practice where payments I made is held and not credited to my credit card account even though synchrony received the funds from my checking account. Synchrony eventually credited my payment days after they received it. Holding on to the funds when there is no valid reason to rather than credit it to customers account is just deceptive practice done on purpose to make it appear as if customers are not making payment on time so Synchrony can charge late fees.
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. (SC)

Dear Sir/Madam, I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : 1. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX XXXX XXXX 2. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX 3. Date : XX/XX/year>2022 Company : XXXX  XXXX 4. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX 5. Date : XX/XX/year>2022 Company : XXXX  XXXX 6. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX  XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile. 
5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi (KY)

received notice that a new debit from Diginifi-Confident Financial Solutions was added to my credit report on XX/XX/2023. I did not take out this loan and do not know who this company is. I tried to contact the company on several occasions however they would not work with me. Filed a identity theft report with Identitytheft.gov and still no reslolve. Have sent letters and still no response. Filed a freeze on my account with all creditors and sent all creditors XXXX, XXXX, and XXXX letters to remove the false debit which was done. Dignifi was removed from credit report but was now added back due to Diginifi adding it back again. I state again this is not my debit and I do not know who Diginifi is.
Consumer complaint received 2024-01-23
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)

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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXXXXXX  Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

XXXX XXXX with XXXX XXXX XXXX said loan was taken out through XXXX XXXX. ( I believe my original home loan 31 years ago was taken out through XXXX XXXX, but loan was sold to someone else shortly after purchase. I've never had any accounts at XXXX XXXX besides this short-lived one. ) He said it was taken out on XX/XX/2020 ( that's not a special date to me. ) He noted the application said I worked at XXXX and XXXX ( I was to interview for a job there years ago, but never actually went to the establishment for the interview. ) The email associated with account is XXXX. ( My daughter 's name is XXXX XXXX which is not common, but she doesn't think she ever established a XXXX email. She'll check on it today once she's out of her exam. ) He noted two phone numbers- XXXX and XXXX. ( Phone ending XXXX is presently my active cell phone number, while phone ending XXXX was my home phone number disconnected several years ago. ) The amount due on the installment loan is {$2500.00}. On my credit report, it shows XXXX XXXX XXXX with phone XXXX and when I called I spoke with XXXX XXXX. He's started at investigation on his end as well.
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. (GA)

According to per USC 16814I DID NOT AUTHORIZE THE REPORTING OFFICES, ACCOUNTS UNDER 115 USC 1681 C-2 PLEASE BLOCK & REMOVE THE FILES. ALL LISTED FILES LISTED BELOW ARE FOR ALL THREE MAJOR BUREAUS ... ADDRESS : 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

There is a collection account, XXXX XXXX listed as the creditor, on my Credit Report I contacted XXXX on or around XX/XX/ regarding this balance when I began receiving notices via text messages ; the agent advised my account is in good standing and I have no outstanding balance. Additionally, I encouraged her to validate with her supervisor to confirm, which she did and subsequently advised this billing should not be sent to me. When I began to receive collection notices I disputed with the collection agency and I also disputed the matter with the CFPB ( Consumer Financial Protection Bureau ) # XXXX in late XX/XX/. CFPB investigated and subsequently advised the debt request has been recalled from the Creditor. All collection attempts ceased at that point. However, now there is a {$77.00} collection notice appearing on all 3 of my credit reports. I've disputed this as a collection not belonging to me, however XXXX advised to raise to CFPB as they have rejected my dispute XXXX
Consumer complaint received 2024-04-30
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)

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-23
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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