davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

In XXXX of XXXX, by means of U.S. mail, I requested a security freeze with Equifax on my credit report. Equifax confirmed my request for credit freeze via a letter on XX/XX/XXXX and XX/XX/XXXX. In the XX/XX/XXXX letter from Equifax I was provided instructions and a personal PIN for use to " un-freeze '' my credit report with Equifax. 
On XX/XX/XXXX I attempted to " un-freeze '' my Equifax credit report for a 24 period via a telephone conversation with and Equifax Customer Service representative. During this phone call I was advised that the personal PIN process is no longer in effect, and I should create and utilize a " My Equifax '' online account. 
Despite repeated attempts and numerous phone calls with Equifax Customer Service representatives, I have not been able to successfully access " My Equifax '' online account. Additionally, when I contact Equifax Customer Service via the telephone I am repeatedly disconnected. I would estimate that I have made at least six phone calls to Equifax Customer Service on XX/XX/XXXX and XX/XX/XXXX being disconnected each time. Additionally, I have spent at least four hours on the phone either speaking to Equifax Customer Service representatives or being placed on hold before the phone becomes disconnected during these two days.

On my last call I was informed that both the 1 ) technical issue with my inability to access " My Equifax '' account online, and 2 ) being consistently disconnected when I call Equifax 's Customer Service phone number ( XXXX ) are " technical issues '' being experienced by Equifax. 
It should be noted that I am proficient with online applications and have no problem at all accessing my XXXX and XXXX online accounts. 
My compliant can be summarized in two issues : 1 ) If Equifax desires that I manage my credit report online via " My Equifax '' then Equifax should be able to provide me access to my online account or resolve any technical issues in a timely manner, and 2 ) When I and others are being directed by Equifax online to call their Customer Service Number, then Equifax should ensure that the calls can be properly administered without being continually " cut off ''. 
Managing one 's credit is extremely important and something I take very seriously. Based on my experience Equifax is significantly jeopardizing my ability to effectively manage my credit by its inability to allow me to access " My Equifax '' account and not providing effective telephonic ability to communicate with Equifax. 
Thank you for your attention to this matter. 
XXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15- U.S.C 1681 section 602 A. States I have the rights to privacy.

15- U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

XXXX Rocket Mortgage refinance bankers male and female told me I can't get equity amount. I asked the female refinance bankers and she told me she will need to ask questions for the approval letter. I told her I didn't ask for a approval letter I just need the equity amount. Then the male asked what I needed the equity amount XXXX. Only XXXX XXXXHe said XXXX.is the equity amount only generated from equity amount loan XXXXthe difference from XXXX. I thank him.
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies EXPERIAN, XXXX, XXXX, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX  XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX  XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXXXXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
EXPERIAN is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give EXPERIAN written permission to furnish these accounts : XXXX - XXXX {$6700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - BALANCE {$2700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit inquiries unauthorized XXXX XXXX - Dates : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXXXXXX XXXX  - Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2023-07-09
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. (NJ)

There is a charge off account on my credit report, which is unlawfully on my credit report. 

From XXXX XXXX, Account # XXXX A debt has been written off as a cancellation of debt. I have reached out to the creditor. The debt is not longer collectable. 
I have received a 1099c Cancellation of debt From XXXX XXXX. I have also file it with the IRS, which it includes as income now, it is no longer a debt. I am not longer liable for this account, nor the debt.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

Upon checking my consumer report I notice inquiries in my account that I am not liable for. Please validate and remove them as they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (MA)

Hello Finance Team, my issue is with my current credit FICO score across all three bureaus.. 
i applied for an Auto Loan with XXXX  XXXX XXXX on XX/XX/2021, and i was approved " fully approved Not pre-approved '' and at that time my credit score was XXXX " Excellent-Exceptional '' score, however it dropped a whopping XXXX points all of a sudden and then without my knowledge or consent the Used Car dealership who was in the XXXX XXXX  XXXX network or preferred dealerships did run my credit again where he shouldn't, because i had an approved loan letter and i did my purchase within 30 days from the initial credit check and approval done from XXXX XXXX XXXX . 
when the dealership ran my credit it resulted in a hard inquiry on my credit file as well as further decrease in my credit score.!! 
i've been very careful and conscious regarding my bills, loans, credit cards and therefore credit score, always paying on time, never missed a payment or been late on any bill, however this act of having my credit checked by hard inquiries twice within 30 days only to purchase a vehicle has negatively impacted me tremendously, going from XXXX points down to XXXX, i am currently in the process of buying my first time home and truly having hard times due to this mishap Auto loan that devastated my credit score and credit worthiness.. 
i have included all screenshots necessary to show and highlight what have had happened.
Consumer complaint received 2023-11-07
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 have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

EQUIFAX RE : XXXX XXXX XXXX  XXXX Acct # XXXX Delete this account for inaccurate information because it continues to report activity after the closed date XX/XX/2022.
Consumer complaint received 2024-03-17
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: Experian Information Solutions Inc. (AL)

I disputed XXXXXXXX XXXX prepaid card reported opened XX/XX/2023. XXXX XXXX, XXXX did not report the date closed for this prepaid debit card. XXXX reports this prepaid debit card as a secured credit card. XXXX does not report and original credit limit because the card is a prepaid debit card. Prepaid debit cards are secured credit cards. No security deposit was paid to XXXX to secure and credit limit and is reporting inaccurate information to the credit bureaus as a reporting subscriber. The previous investigation results are inaccurate and in violation of FCRA 15 USC 1681e ( b ) maximum possible accuracy, investigation results as updated, modified, verified or remains is not maximum possible accuracy of reported information, XXXX must report the date the account was closed, no info means that XXXX can not accurately verify the account.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I, like most student loan borrowers, were under the government forbearance ( still in place till XXXX ) so did not do anything to stop my payments from being active again. I found out just this month that my loans were not under the mandated forbearance and my loans are now in default over 90 days. Apparently my federal loan had been sold/purchased by XXXX and they did not tell me that my loan did not qualify - I still have not gotten a straight answer from them as to why my loan does not qualify. I did, in early XXXX, file a forbearance on my own on top of the mandated forbearance just to be covered once it ended, but XXXX does not show that my request was ever processed. When I discovered my credit reports show 90 days late, I immediately called XXXX to have them undo it, they refused and said I should just dispute it with the credit bureaus. The total amount of the loan with XXXX is {$7300.00}, credit report shows that I am 60 days late in XXXX and 90 days late as of XXXX of XXXX  ( current for some reason in XXXX ). Again, XXXX did not ever tell me that my federal student loan did not qualify for the government mandated forbearance and they did not process my submitted document to request my own forbearance!
Consumer complaint received 2023-12-28
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

In XXXX i to XXXX XXXX  in XXXX XXXX  to buy a car and i was financed bye credit acceptance and they financed me for a car for {$9900.00}. and they financed me for {$21.00} XXXX total and when i bought the car a had to pay to get the car registered so i had to give XXXX an extra {$500.00} for the registration so i did and she said she would send it to the dmv i waited 6 months and then i called her about the registration because i never heard nothing and i called her about it and she said that she had sent it in and that i should of recieved it already but i didnt so i waited 6 more months and nothing so i called her again and asked her if i could just pick up the {$500.00} dollars and i would go to the dmv my self she said she didnt have it that she had already sent it in but i never recieved it so i went to the dmv and XXXXhey dmv said there was no paper work sent in for that car and nothing under my name so i called XXXX at XXXX XXXX  and she was not in that day so i waited a week then i went down there again and she said she did not have the money i told her that the dmv did not get the money i needed the money to register my car i did not have another {$500.00} to pay again so i had to wait until the dmv got the money well they never did and on XX/XX/XXXX i had got stopped bye a [ police officer from XXXX XXXX police station and he said the reason bye he pulled me over because of my registration was exspired for 2 years i asked him when did it exspire he said in XXXX i told him that when i bought the car that the tag where XXXX tags on it so he took my car because of the registration so i went home and called the finance company and told them what happen and they told me they would get me the registration for my car and i told them that when i bought my car that i had payed the {$500.00} for the registration but i never recieved it and they said for me to call them back tommorow they where going to call family auto and i did they ended up calling me and they told me there was nothing they could do well i went down to the dmv and talked to the dmv and they told me that the car was not registered sense XXXX so the tags that where on my car was fraugalent so its a breach of contact and there is nothing they want to do to take care of this problem i told them that im not going to pay for that car because there is fraud
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (AL)

You all reported a late payment to the credit bureaus that is not true. I emailed you all numerous of times about changing my bank account due to fraud. This is not fault. I am asking that you make your app more user friendly so I can change my own information. Please delete the late payment status I am on a home buying goal and this really puts me behind. I am doing a complaint on cfpb because this is ridiculous.