davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc. (GA)

FOR SOME REASON MONEYLION KEEPS REPORTING THIS ACCOUT # XXXX AS A XXXX XXXX BANKRUPTCY ITS NOT AND THE INFORMATION NEEDS TO BE CORRECTED. FROM THIS POINT NOW AFTER DISPUTING FOR 2 YEARS THIS ACCOUNT TO BE DELETED OFF ENTIRELY. THE WHOLE HISTORY OF THIS ACCOUNT IS WRONG. 



REMOVE THIS ACCOUNT ENTIRELY.
Consumer complaint received 2024-07-26
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: OneMain Finance Corporation (TX)

I did not authorize these inquiries. Please remove these inquiries immediately. 
I have already reported this to the FTC. 

XX/XX/XXXXXXXX OneMain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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)

I am writing to file a formal complaint regarding the urgent removal of fraudulent items from my credit report. 

Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I am deeply concerned about the potential consequences of this unauthorized activity. 

I have taken immediate steps to address this issue by contacting the credit reporting agencies and reporting the fraudulent activity. However, despite my efforts, the credit reporting agencies have failed to take swift action to remove these fraudulent items from my credit report. 

Given the urgency of this matter and the potential harm it could cause to my financial well-being, I request that you intervene to expedite the removal of these fraudulent items from my credit report. I urge the credit reporting agencies to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the fraudulent activity on my credit report, including reimbursement for any unauthorized charges or fees incurred. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX OAK XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX, AZ XXXX.
Consumer complaint received 2024-07-14
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. (NY)

Subject : Unfair Restriction on Accessing Credit Report from Equifax To Whom It May Concern, I am writing to file a formal complaint against Equifax for restricting my ability to retrieve my credit report from other credit reporting and furnishing agencies. Currently, I can only access my credit report directly from XXXX site, which is not fair and impacts my ability to manage my credit effectively. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) The FCRA regulates the collection, dissemination, and use of consumer information. Equifax is required to provide consumers with fair access to their credit reports. By restricting my ability to retrieve my credit report through other agencies, Equifax is in violation of the FCRA, which guarantees my right to access my credit information. 
Fair and Accurate Credit Transactions Act ( FACTA ) ( Public Law 108-159 ) FACTA, an amendment to the FCRA, ensures consumers access to their credit reports and provides additional protections against identity theft. Equifaxs restriction limits my ability to monitor my credit report for accuracy and potential fraud, contrary to the protections provided by FACTA. 
Consumer Financial Protection Act of 2010 ( Title X of the XXXX XXXX XXXXXXXX XXXX and Consumer Protection Act ) The CFPB oversees credit reporting agencies, ensuring they comply with federal consumer financial laws. Equifaxs actions undermine these regulations by preventing me from accessing my credit report through other legitimate channels.

Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ) The GLBA governs the collection, disclosure, and protection of consumers personal financial information. Equifax must facilitate the accurate and fair sharing of my financial information, which includes allowing access through various credit reporting agencies.

Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 et seq. ) The ECOA prohibits credit discrimination. Equifaxs restriction on accessing my credit report through other agencies affects my equal opportunity to manage and monitor my credit, constituting a form of discrimination.

Federal Trade Commission Act ( FTC Act ) ( 15 U.S.C. 41 et seq. ) This act empowers the FTC to prevent deceptive and unfair business practices. Equifaxs restriction is both deceptive and unfair, violating this act and undermining consumer trust.

Request for Resolution : I respectfully request the CFPB to intervene and ensure that Equifax promptly removes all restrictions preventing me from accessing my credit report through other credit reporting and furnishing agencies. This corrective action is necessary to restore fairness and transparency in my ability to manage my credit.

Thank you for your attention to this matter.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have sent out several complaints about XXXX XXXX XXXX who are engaged in unfair, deceptive or abusive acts or practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( CFPA ). They have repeatedly destroyed my credit score by falsely reporting me late just to turn around and make corrections to their fraudulent billing. My credit score has taken a big hit because of this which means I can not get approved for anything based on my score and there needs to be a stop to this. XXXX, Equifax and XXXX should not allow this company to keep making these recurring violations. I received a notification XX/XX/year> from XXXX that my Equifax lost an additional XXXX points because XXXX XXXX XXXX  has reported me 60 days late in the amount of {$1000.00} which is inaccurate, when they STOLE my car because it was not in repossession status. I haven't had the car, and they are still reporting me late on my credit report and have removed my account from the customer 's portal to even make any future payments. They're in complete violation of the FCRA by reporting inaccurate information on my report. My credit score is truly damaged because of them and after they made their corrections in the past, I still have not received the points that I lost due to their unfair deceptive and abusive acts and practices. This company would take your car note payment and apply part of it to the XXXX and then report you late for the entire car note plus late fees which they in fact owe me. XXXX XXXX XXXX continues to report inaccurate information with knowledge of errors. They reported me 30 days late XX/XX/year>, made corrections XX/XX/year>, then I noticed they removed my account from the online portal XX/XX/year> and " repossessed '' my car between XXXX XXXX. My car is not in repossession status. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

15 U.S.C. 1681s-2 ( a ) ( 2 ).
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc. (PA)

I sent a letter to the company, several months ago and asked for the balance to be corrected, since a IRS form 1099 C was submitted to the IRS and accepted. Also the addresses on the report are un-mailable and need to be removed, the phone numbers, and email address.
Consumer complaint received 2024-07-26
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-15
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)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. P.s This is holding me back from getting a new job, funding and a NEW HOME FOR MY FAMILY XXXX XXXX
Consumer complaint received 2024-07-15
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examination of my records, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago but have not received any response, nor has adequate validation been provided. I request your help in addressing this matter swiftly and efficiently.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2024-07-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office Of Steven D. Silverstein (CA)

On or around XX/XX/year> my XXXX  noticed a 3-day pay or quit notice on our door. When we pulled the notice the first thing we noticed was the amount stated were incorrect as the landlord has continued to take payments. Enclosed are copies of recent payment receipts starting before the day of the notice. 

Upon receivng this notice I looked to the back bage which outlined STATE AND FEDERAL FDCPA NOTICE FOR THE LAW OFFICE OF STEVEN D. SILVERSTEIN. As I reviewed all the legal legalities under the statue CCP 1161 ( 2 ) we immediately noticed ontop to the incorrect amount ( s ) owed there was no address to file a rebutal which is a very specific part of the ability to file a dispute surrounding their claims. 

In addition, On Monday XX/XX/year> I received in the mail a copy of the three day notice from a third entity outlined only by a po box . With no address to file our rebutal, incorrect notice with the correct amount the claim outlined is fradulant.
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax is showing that my credit card payments for XX/XX/XXXX and XX/XX/XXXX were late. I contacted the creditor ( XXXXXX/XX/XXXX) and was informed that this information was reported in error and that the creditor has sent notices to credit reporting agencies to reflect ontime payments on the credit card account. 

I filed a XXXX disputes with Equifax and each time the agency has upheld the negative reporting. I contacted the creditor again and they provided credit card statements fro the time period in question, which does not reflect 30 days past due. I am being denied credit because of the negative reports.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NM)

DEAR CFPB, I am having issues working with XXXX of the credit bureaus to update my credit information. I went through a XX/XX/XXXX and paid all my debts. Now I hired a credit repair company to assist me to correct inaccurate information on my XXXX and Equifax reports. XXXX XXXX fixed the issues I want to fix. The other XXXX companies are playing games with me. I have written XXXX letters to Equifax, for example. I ( with the assistance XXXX XXXX XXXX XXXX ) have followed the credit bureaus instructions exactly. Nevertheless they keep telling me that I have not proven my identity. 

I have sent them my social security number and card, driver 's license, proof of address with utility bills, and my date of birth. 

Even though I resent the documents 5 times, I keep getting the same letter that I have not proven my identity. It is false, misleading and a misrepresentation and they should be held accountable for how they are pretending that I have not sent proof of my identity. 

I can provide copies of all of the dated copies of the letters from Equifax. 

I sent everything return receipt requested and I have all of my post office receipts with their signature. 

Equifax 's conduct has been illegal, deceptive and egregious! 

Can you please help me? I do not know how to hold them accountable without your help. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I've had XXXX card XXXX XXXX XXXX XXXX for many years and rarely used it. Last year in XX/XX/2023 I opted out of receiving XXXX 's solicitations. I was not informed by XXXX that in doing so, they would cease sending me billing statements where I could see if I had a balance due and by when it was due to be paid. It was only until I received a notice from my bank, XXXX 's XXXX XXXX program alerting me to a missed payment, that I was informed of a charge on my XXXX card totaling {$28.00} being past due. When I reviewed by XXXX card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called XXXX, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that XXXX remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.
Consumer complaint received 2024-07-15
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 looked at my credit report in XX/XX/year> and Saw that there were A few accounts that I did not recognize because they were not mine. These accounts violated my rights To privacy And I want them off my credit report immediately. The first account is XXXX XXXX for {$21000.00} and JM-Assoclates for {$18000.00} four times they have put this accounts on my credit report an I want it off my report. Also all the inquirys I did not authorized anyone to do as well.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

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 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

These are the addresses listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 
( 1 ) XXXX XXXX CT XXXX, TX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 4 ) XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-07-15
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. (TX)

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX