davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accountsas unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-15
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (MA)

I filed a dispute with Synchrony bank amounting to {$300.00} back on XX/XX/2023 for a car sound system parts that I bought in XXXX via there third party seller which is the XXXX XXXX XXXX. I placed an order on the said parts on XX/XX/2023 with a XXXX XXXX XXXX. : XXXX and supposed to be delivered on XX/XX/2023 but nothing arrived on the given address. It wasn't just XXXX dispute that I filed but i filed XXXX times and it always came back in favor of the merchant due to the fact that there was a XXXX tracking number claiming that it was delivered which was not. Im hereto attached the said tracking number with XXXX and a screenshot of the parts that I ordered in XXXX.
Consumer complaint received 2024-04-20
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)

This account is showing XXXX different open dates a cross the bureaus on XXXX it is showing XX/XX/XXXX, XXXX XX/XX/XXXX and on Equifax XXXX.The high balance on XXXX is {$370.00}, the high balance on XXXX {$0.00} and the high balance on Equifax XXXX XXXX.On XXXX the Credit limit is {$100.00}, on XXXX it is reporting as {$100.00} and on Equifax it is report as XXXX  XXXXLast reported Date on XXXX is XX/XX/XXXX, on XXXX XX/XX/XXXX, on XXXX XXXX.The last active date on XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. On Equifax shows no date of last Payment, XXXX shows no date of last payment, and Equifax shows date of last payment XXXX.Updating with the Charge off Status every month munipulating the statue of limitation on both XXXX and Equifax.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Equifax failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account : Account name : XXXX Account : XXXX Enclosed is a Screenshot of my XXXX and XXXX Credit Report Providing proof
Consumer complaint received 2024-04-20
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2022, there was an unauthorized attempt to open a credit card account with XXXX XXXX resulting in a hard inquiry with all three major credit bureaus.
Consumer complaint received 2024-04-20
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. (IL)

I review my credit report and see the information you are reporting are inaccurate. I want to provide accuracy correct information on my credit report. If not please remove it from credit report. I have proof of inaccurate information. XXXX XXXX  account is showing two different account on two different credit bureaus. XXXX XXXXXXXX is not reporting on XXXX but it show one 30day late payment, one 60day late payment, three 90days late payment please remove this account. Also XXXX XXXX XXXX is showing inaccurate on payment history and the amount balance. XXXX XXXX  is not reporting on any other bureau but equifax but show no late payment but 90day how do you skip 30 and 60 days.
Consumer complaint received 2024-03-01
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 logged on to XXXX XXXX & my Equifax report completely changed overnight. 

My accounts have disappeared & replaced with accounts, including collections that are not mine! 

I need my credit report restored ASAP. 

Continuing to report false information after I disputed is illegal & I will sue. 

I provided a copy of my ID & SSN, still not resolved.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-05-26
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-29
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. (MA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-23
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: HW Holding, Inc (TX)

I have a collection from Hunter Warfield Inc for {$2200.00}, I call Hunter Warfield asking to verify this debt, They told me they had no paperwork on this debt. I sent a letter on XX/XX/2023 asking to show me paperwork which would verify this debt. Hunter Warfield has not respond to my letter. this should be remove from my credit report for lack of Hunter Warfield fail to verify
Consumer complaint received 2023-12-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Dispute of Inaccurate Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my consumer report, as obtained from your agency. Upon reviewing my consumer report, I identified instances where non-public information has been disclosed to a non-affiliated third party without my written consent, which constitutes a clear violation of the obligations outlined in 15 USC 6802. 

Upon reviewing the relevant statutes, it has come to my attention that I was never provided with the option to opt out of the disclosure of my personal information, as required by law. I hereby request that you provide evidence demonstrating that I was given the opportunity to exercise my right to opt out, as mandated by law. 

Furthermore, I would like to draw your attention to 15 USC 1681b regarding permissible purposes. I never provided written consent for the reporting of my personal information, and the lack of such consent raises concerns about potential identity theft, constituting a violation under 18 USC 1028a. A report has already been filed with the Federal Trade Commission ( FTC ), and my reference number for the case is XXXX

In light of the above, I demand that you promptly remove the following account from my consumer report : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request that you adhere to the requirements outlined in 15 USC 1681c-2 and remove the mentioned account within four business days from the date of this letter. It is crucial to emphasize that my dispute is not with the creditor but with your reporting agency. Reporting items on my consumer report without obtaining my written consent and failing to provide an option to opt out is a direct violation of my rights.

I expect immediate action to rectify these issues, and I request that you provide written confirmation of the removal of the disputed information. Additionally, I demand that you cease all methods of verification related to this account. 

Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-05
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 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
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I sent two mortgage payments instead of one by mistake. On XX/XX/2018 I called Select Portfoilio Servicing and requested the over-payment of {$2700.00} be returned immediately. The Rep for SPS said he would start the return process and I would have the money back in my account in 3-5 days. I said I needed the money sooner than that and he stated that was the best he could do. On XX/XX/2018 I called SPS Customer Service and ask why my money was not returned? The Rep stated they are waiting for me to send them my bank statement. I said there was nothing said to me about sending a statement or paperwork of any kind. I said I wanted to speak with a Supervisor or Manager and the Rep said theres no reason to speak with them as they will tell me the same thing. I had to demand to speak with a Manager. A supervisor by the name of XXXX XXXX came to the phone and said I must send them a copy of my statement and she would stay on the phone while I send her my bank statement. I sent her my bank statement and she confirmed she recieved it. She said she would handle the return of my money immediately. On XX/XX/2018 I called Customer Service again and ask to speak with Ms XXXX. I was told she was at lunch and a message was sent to her, to return my phone call that day. Its XX/XX/2018 and I STILL DO NOT HAVE MY MONEY! I called Customer Service again and ask to speak with Ms XXXX and I was told she was not available. It is very obvious this business is avoiding me by not returning my phone calls or my money as promised. I have now incurred several NSF fees from my bank and unable to afford the XXXX cost of medicine I need to purchase for my Son. This company and its employees have not only avoided my phone calls and request but also deliberately misled me with the handling of my case. ( I was actually told they need to contact the Federal Reserve for the return of my money )
Consumer complaint received 2023-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

We fell behind on our mortgage and did a loan modification. There were issues and we were not allowed to make monthly payments-Wells Fargo would only accept the full amount dueso we got further and further behind. Foreclosure process was going to be started so we had to sell the house- no other option. WellsFargo would not work with us at all. I do not have the loan number as this was 2019.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VT)

My Citi credit card information was fraudulently used to pay the US Treasury in the amount of {$10000.00} and a {$190.00} service fee on my Citi credit card. These charges originally posted on XX/XX/XXXX. When I first noticed them on the next billing cycle, I immediately reported them as fraud to Citi. I have never spent near this large amount of money on a credit card ever before, but was never contacted by Citi to notify me if such an large purchase or to approve such a large charge at the time it posted. 

I find it hard to believe that the US Treasury and Citi, my credit card company, can not connect the dots and figure out whose taxes were in fact, illegally paid using my credit card. Presumably, whoevers taxes were paid using my credit card is the guilty party. My wife and I paid our own personal taxes on XX/XX/XXXX using direct deposit from our XXXX XXXX checking account. 

I have no documentation of the illegal transactions on my Citi credit card account, as neither transaction was ever approved by me and no signature or approval process ever occurred to my knowing. I have no idea how the US Treasury received my credit card information, as I never willingly provided it to them and certainly never authorized a charge in either of these amounts. 

While disputing these charges, and in speaking with the Citi credit card fraud and billing disputes departments, there was speculation by the fraud department representatives as to how my credit card information may have been leaked, but I can not be certain of how this criminal obtained my credit card information, and again, I NEVER approved or consented to either of these charges. The dispute has gone on for over two months and I am now told that Citi will not be refunding me for these amounts, totaling {$10000.00}. 

I have contacted the US Treasury, and filed an Identity Theft Affidavit on XX/XX/XXXX, but the US Treasury representatives I spoke with stated they have no way to track these transactions, and recommended that I reach back out to my credit card companys fraud department. 

Furthermore, I am concerned as to why there was not a security alert or authorization request of me from citi regarding this large amount being charged to my credit card. I have never spent close to this amount of money with my citi account in the past and feel this should have raised red flags. 

I certainly have not authorized this payment and am desperate for help removing this fraudulent charge from might financial record. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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 have been a victim of identity-theft on XX/XX/XXXX and from that point on, I have been battling with unauthorized accounts being opened in my name, which XXXX of the accounts was opened on XX/XX/XXXX, which is XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and a XXXX late payment, which was unauthorized by XXXX XXXX XXXX XXXX XXXX which is on a mortgage account on my credit file. These discrepancies are violating my rights under 15 USC 1681b and 15 U.S. Code 1681c-2. Therefore, Equifax is violating my rights and is still reporting these fraudulent accounts/ discrepancies on my credit file, which is a violation of my rights. Also, I have disputed these account several times, and when I called in a numerous of times, the representative says that they do not have my documentation that I sent in overnight certified mail, where I do have tracking numbers. Therefore, there is some unnecessary processes going on with Equifax and if these accounts are not removed from my credit file, then I will be filing a lawsuit and seeking damages of {$1000.00} per occurrence. Please correct this issue and comply with the law. Thanking you in advance!
Consumer complaint received 2023-12-28
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)

Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX, XXXX am submitting a formal complaint against Equifax Information Services LLC. on XX/XX/XXXX. This complaint addresses my rights to opt-out of credit reporting for the accounts outlined in my notice titled " Official Notice of Revocation of Consent and Opt-Out under Gramm-Leach-Bliley Act ( GLBA ) and Privacy Act of XXXX. '' EQUIFAX is allegedly in violation of the XXXX XXXX, having willfully and negligently failed to provide the required notice to opt-out, as mandated by the GLBA. Additionally, EQUIFAX is purportedly in violation of the Privacy Act of XXXX and the Fair Credit Reporting Act ( " FCRA '' ) pursuant to 15 U.S. Code 1681a ( 2 ) ( i ). In light of these alleged violations, I am demanding compensation of {$5000.00} for damages incurred due to EQUIFAX 's willful violation of the FCRA. 

I respectfully request the CFPB to investigate EQUIFAX and enforce compliance with applicable laws and regulations. I anticipate EQUIFAX 's timely cooperation. 

Best Regards, XXXX, XXXX XXXX All Rights Reserved UCC 1-308
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I disputed Bankruptcies that were listed on my credit report with Equifax. 

I provided a copy of the letters Directly from the courts that read they do not report to credit bureaus information about bankruptcies. I also provided a letter directly from XXXX which is their source, who also stated they were not reporting the information to Equifax. 

Equifax has refused to remove this information and has lied about reinvestigating the bankruptcies with anyone and continue to report inaccurate information.