davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Ive attempted to call the number on the phone listed by the company, followed the promoted and its a dead end call no matter what option you chose. I tried every option possible, The prompt leads you to another set pre recorded messages and it automatically hangs up on you. 

Ive contacted the original creditor XXXX XXXX, notified them that my identity was stolen and this is where XXXX made aware that the account was open Washington State where I never reside in. 

I am following up with all 3 credit bureaus notifying them that this a fraudulent.
Consumer complaint received 2023-11-28
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. (LA)

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have submitted a FTC prior to this complaint but the inquires still remain reported and not open for dispute I have attached the items I would like to dispute below as well as the copy the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have never been associated with the social security ending in XXXX that is furnished on my report as well as inquiries below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.
Consumer complaint received 2018-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/18 I called Wells Fargo because I never used XXXX on mobile banking and wasnt sure how it worked or if it was secure if never receiving a item. Im a college student and I was trying to buy a puppy that happened to be online. XXXX $ was transferred to purchaser after I was assured by my bank. My mother bought her dog online and had hers flown via airplane on a different website so I didnt think. I signed a contract with purchaser and told Wells Fargo in case I never received this dog would I be able to get my money back I was told yes by customer representative that if I didnt get it by that week of Friday as expected to call. After transaction was made the website micropupsforall went down. I immediately called Wells Fargo and filed a claim but was told it is very unlikely I get my money back from another representative and was explained which I wasnt explained before that XXXX is only a money transfer like cash app I spent my hard earn money on a puppy I never received. The scammers number is still working and hes probably scamming other people. I still have all texts and emails. I have filed a police report in this process
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (DC)

I did a credit report check today and I found out that this Fico score agency did a credit pull on my Equifax credit file without my consent. 

I never did any transactions with the company, and I didn't receive any offers from them. 
They don't need to be on my Equifax credit report.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

On XX/XX/XXXX, XXXX XXXX XXXX dba Mr. Cooper completed a loan modification on our primary mortgage. The modification was offer to us because NationStar levied an amount of {$17000.00} as an outstanding amount due immediately after the discharge of our chapter XXXX bankruptcy ( 60 months ) on XX/XX/XXXX. We original had 10 year fixed arm loan with ( XXXX but sold to NationStar ). NationStar was unable to adjust payments after 10 years because of the bankruptcy court ordered payments. On XX/XX/XXXX we contacted NationStar & informed them of discharge. They sent us a demand letter for immediate payment of {$17000.00}. We still don't know how this amount was established but payment was due immediately. We tried to work out payment plan to pay this amount by installment payment but was refused. What we were offered was a loan modification which we gladly accepted. Never were we informed that it was a hardship loan. No documentation received indicated Hardship Loan. We are now trying to re-finance our loan but NationStar is informing our lender XXXX that the modification was a hardship loan. The loan modification was offer to us by customer service rep & we were never informed it was a Hardship Loan. We are about to be turn down a second time because this modification has been labeled Hardship.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my urgent concern and frustration regarding the continued presence of fraudulent items on my credit report, despite multiple attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the removal of these fraudulent items to prevent further damage to my financial standing. 

Despite submitting disputes, the fraudulent items on my credit report persist, causing considerable stress and negatively impacting my creditworthiness. 

I have attached supporting documentation, including police reports, identity theft affidavits, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution. 

Understanding the crucial role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I am urgently requesting your intervention to expedite the removal of these fraudulent items. 

Given the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items, and necessary steps are taken to ensure their swift removal from my credit report. 

Timely resolution is of utmost importance, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2023-11-28
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (PA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2018-08-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/18 : Mattress Firm employee offered to check and see what I would be approved for if I decided to finance when purchasing a mattress. I agreed to a credit check, and the employee took down my information ( SSN, address, DOB, income, etc ). Synchrony Bank ran check and said I was approved for {$6000.00}. I told Mattress Firm employee " Thanks, but I dont want a loan - I just wanted to check and see what I would be approved for, like you said. '' I left the store without purchasing a mattress. I never signed anything, never received any paperwork, etc. 

XX/XX/18 : A week later, I received a new credit card from Synchrony Bank. However, I never signed or agreed to receiving any credit ( and in fact, *explicitly* said I *didnt* want credit ). This was clearly deceitful practice by the Mattress Firm employee, as " checking to see '' what I would be approved for and " opening a line of credit '' are two different things. 

I called the bank immediately and cancelled the account. I explained multiple times that I did not sign up for this account and I was misled. I only agreed to checking to see what I could get approved for, not for actually getting a card. The rep on the phone submitted the request and said I would have to speak with Mattress Firm directly about the issue. 

I called Mattress Firm 's customer service, who was very polite and tried to handle the issue. However, she stated I need to speak directly to manager of the store ( Mattress Firm XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXX ). 

XX/XX/18 : Mattress firm manager calls and makes me feel like a mental midget. I explained that I ( verbally ) agreed to checking to see what I could get approved for, not for actually getting a card ( and not signing anything ). The manager refuses to acknowledge that there was an issue, stating that it is " unstated common knowledge that when you give someone your information they will open a line of credit. '' The fact that it is " unstated '' means that there is obviously some issue here. We go back and forth until the manager hangs up on me. I've never felt my intellect insulted as much as on that phone call. 

Also, this apparently isnt so common : https : XXXX
Consumer complaint received 2024-04-12
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. (GA)

I've recently discovered an error in my consumer report which falsely indicates that I missed a payment on the account linked to Account Name : XXXX. I want to stress that I have an impeccable payment record for this account, and I possess evidence to support my assertion. 
Per 15 U.S. Code 1692j - Furnishing certain deceptive forms : It's illegal to intentionally create, assemble, or provide any document with the knowledge that it could deceive a consumer into believing that a party other than the original creditor is involved in collecting or attempting to collect a debt owed to that creditor, when in reality, such party is not engaged in any such collection activity.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (CO)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (NV)

U.S. Bank new account promo code " XXXX '' for {$400.00} bonu $ offer accepted, confirmed, applied upon opening ( eligible status ), now refuses to pay due to some technicality not made known at opening or anytime after, which cost consumer one or more bonu $ offer $ with other financial institutuions!
Consumer complaint received 2023-11-16
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. (PA)

The following accounts and inquiries does not belong to me : XXXX XXXX XXXX # XXXX The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following address is not my address. 

XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX The following employer is not mine : XXXX XXXX
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (NY)

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, 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 1681 s-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 2018-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (SC)

In early XX/XX/XXXX I was desperate for money and had received calls from a Amplify funding As I already sold my home and was merely waiting to close the loan I asked to borrow XXXX $ I never was sent the loan documents but assumed how bad could it be, well 6 months after acquiring the loan I realized that they were taking XXXX $ out twice a month I decided to call and ask my balance .I was then informed that I still owed XXXX more payments of XXXX $ bi monthly. 
I then asked what could I go as to date I had already paid twice back what I borrowed I was then informed that if I refinanced the loan the payments I made would be eliminated and I would start off with the original XXXX $ I borrowed I asked how about the XXXX $ I already paid and the answer was silence. 
I know I borrowed the money but as I have already paid back double what I borrowed I believe I have paid enough It is gouging older people on limited incomes and I can not continue to have XXXX $ taken out my limited income every month I was stupid to not get this totally clear Your help would certainly be appreciated Thank You, XXXX XXXX Last four of SS is XXXX Date of Birth XX/XX/XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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 XXXXXXXX has violated my rights. Or a 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 2023-11-28
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)

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. 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 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 the 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I was on a forbearance plan from XX/XX/2023 to XX/XX/2023. I exited the plan around end of XX/XX/2023 and offered a repayment plan. The lender has reported to credit bureau that I was late and/missed payment for XXXX when I was forbearance plan. The purpose of the forbearance plan is to protect customer from being delinquent on the account due to XXXX related hardship. The company still refuses to correct the credit report even though I was on the forbearance plan and completed my repayment plan on time. The Veteran Affairs published that During the XXXX national emergency, taking advantage of forbearance options should not be considered delinquent for the purposes of credit report. You should also not have to worry about being charged additional costs for the XXXX forbearance. For example, a mortgage company can not charge you a late fee as a result of granting you a XXXX forbearance. Also, Under the federal XXXX XXXX, if you are receiving an accommodation on your mortgage, such as a forbearance or a repayment plan, and you were not delinquent on your mortgage before XXXX, your servicer must report your loan as current even if you are not making payments. During the period covered by the XXXX XXXX, your mortgage servicer is required to report your account as current if your account was current at the time of the forbearance and if you meet the terms of your mortgage relief ; or if your account was delinquent before the XXXX emergency, to report the same delinquent status.