davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am writing to formally file a complaint regarding persistent inaccuracies and incomplete information on my credit report held by Equifax. Despite assurances of account " verification '' and accurate reporting, the data remains incomplete, inconsistent and inaccurate. Additionally, my previous request for original documentation, including signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation. 

Contrary to claims of a thorough verification process, the following discrepancies persist on my Equifax credit report : 1. Credit limit : No information reported.

2. Amount past due : No information reported.

3. Date of last activity : No information reported and discrepancies across bureaus.

4. Deferred payment start date : No information being reported.

5. Balloon Payment date : No information being reported.

6. Scheduled payment amount : No information being reported.

7. Charged-off amount : No information being reported.

8. Date closed : No information being reported.

9. Date Last Active : Variances are present across two bureaus and discrepancies across bureaus.

10. Payment History : Discrepancies are noted across the two bureaus. For the months XX/XX/2017 thru XX/XX/2017, there is no data being reported for Equifax. XXXX, on the other hand, has me listed as current with payments for those same dates. Information is incomplete and inaccurate, contradicting the earlier claim of a thorough investigation and verification. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inconsistent, inaccurate and incomplete. Instead of requesting a re-investigation, I am demanding Equifax to remove/delete this account from my Equifax credit report. 

Enclosed, please find supporting documentation highlighting these inaccuracies for your review. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-29
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. (SC)

In XXXX, I began receiving credit card statements for bill from Best Buy for nearly {$3000.00}. Around the same time, I received bills for AT & T for an account with cell number of area code XXXX. I did not open any of these accounts. I do not have this cell phone. This was all done in fraud. I filled out police report with XXXX XXXX Police Department. 

I filled out paperwork for AT & T fraud but have not heard back. I filled out an online form today. I have spoken with Best Buy multiple times regarding this and have been told that their report indicates that this is NOT fraud and that I owe the money on the account. I absolutely did NOT open a credit card with Best Buy, phone account with AT & T, or make a purchase of this account at Best Buy. My last purchase with Best Buy was last summer to my knowledge. I have not been in a Best Buy store since XXXX or XXXX XXXX XXXX. Best Buy Fraud department would not let me speak with whoever did the investigation. This is going to significantly negatively impact my credit score for accounts that I never opened.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to dispute the late payment entries on my credit report associated with my account XXXX. I appreciate your attention to this matter and request that you investigate the reporting of these late payments. XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX  XXXX customer service representative. I kindly request that you conduct a thorough investigation into the reporting of the late payments and update my credit report accordingly. If the investigation confirms that the late payments were reported in error, I request that you promptly submit the necessary corrections to the credit reporting agencies. Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the reporting errors.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Arivo Acceptance, LLC (GA)

Arivo Acceptance continues charge my card and bank account without any consent or prior authorization. On XX/XX/year> they debited my card for {$110.00} without my consent or knowledge. I contacted the business about this and they apologized for the action of their employee and refunded the {$110.00}. On XX/XX/year>, the company made a withdrawal from my checking account again without any consent or prior authorization. I never called nor spoke with anyone to authorize them to withdraw from my account nor set any kind of arrangements for those transactions. The company tells me to dispute with my bank instead of returning my funds to me so that I am charged more fees on my loan agreement.
Consumer complaint received 2023-11-15
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. (MO)

On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX XXXX XXXX XXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXXXXXX XXXX ran an unauthorized hard inquiry against my consent. I contacted XXXX to file a complaint online contesting the inquiry and attempted to contact EquiFax online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXX XXXX  from another representative from XXXX XXXXXXXX XXXX soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.
Consumer complaint received 2023-06-15
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: FORD MOTOR CREDIT CO. (PA)

XXXX XXXX XXXX XXXX, Lincoln Financial, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2023-05-03
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. (TX)

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, 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I am writing to formally dispute the inclusion of a bankruptcy on my credit report, which I believe to be inaccurate as it has been discharged for eight ( 8 ) years.

I have carefully reviewed my credit report and have identified the aforementioned bankruptcy entry that I believe is outdated and should no longer be reported. According to my records and the Fair Credit Reporting Act ( FCRA ), bankruptcies are generally supposed to be removed from a credit report after seven years.

Upon thorough examination of my financial history, I am confident that the relevant time frame for reporting this bankruptcy has elapsed. I kindly request that you investigate this matter promptly and provide me with the results of your investigation. 

If, after your investigation, you determine that the bankruptcy entry is indeed outdated, inaccurate, or not in compliance with the FCRA, I request its immediate removal from my credit report. 

I appreciate your attention to this matter and your prompt resolution. Please notify me in writing of the results of your investigation within the time frame required by law. 

Thank you for your cooperation and prompt attention to this matter.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX that was the complaint that the cfpb allowed transunion to dictate what trasnsunion was going to do. i was supposed to hear something in 60 days and well over a year later im still waiting. meanwhile transunion still reports false information if they report anythingb at all. on several occasions they reported blank, empty reports. This has gone on long enough. i want my life back.And I want transunion to pay for the damages done to me physically and emotionally. I want it done now
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Re : You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error Upon conducting a recent examination of my credit history. I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The cruditor 's inability to truthfully depict an obligation payment or credit that was givor to the debtor on a statement ( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Ugan conducting a recent examination of my credit report, 1 discovered a substantial amount of discrepancies Based on my understanding. the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments an this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident billing error.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MN)

This is additonal continuation of my current CFPB complaint ( XXXX ) On my current complaint, nationstar did not make my HOI payment despite my escrowing payment with them and no change to my HOI. Since that time, I requested they stop escrowing for my HOI and only escrow taxes. They made me submitt written conformation wich I did do. They called me on XXXX to confirm the did receive the request to escrow only taxes and had processed the request. 

Today I received my XXXX statment and they are still collecting for escrow of HOI. I have also been advised by my HOI company that I have been assesed a {$50.00} penalty for the lapse in HOU coverage stemming from Nationstar 's neglegence and not paying my HOI until I notified them it had not been paid. Their contiuing to bill me for escrow of HOI despite my written request they stop escrow of HOI is hurting my financially as they continue to demand that money every month eventhough I dont want it escrowed.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Abrahamsen Gindin LLC (NY)

I have made numerous calls each week for the past XXXX weeks attempting to speak to someone regarding this account that they are attempting to collect a debt on. This account is a case of identity theft and the company will not allow me to submit anything regarding this. They wont return my calls and they keep telling me that I need to speak to the compliance department but the compliance department does not answer the phone and they dont return any of my calls. I can provide whatever documentation needed from my cell phone company to prove the amount of calls made to this company.
Consumer complaint received 2024-04-29
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: Diverse Funding Associates LLC (MI)

I was looking to apply for a XXXX XXXX XXXX  and notice damages on my credit report. According to the 15 USC 1681 law their should not be any damages on my report and is a defamation to my character
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (NV)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items on my credit report. I have noticed several errors and inconsistencies in my credit report, which I believe are negatively impacting my credit score. 

XXXX - On XX/XX/XXXX, there was a credit inquiry on my account from XXXX. I have no recollection of authorizing this credit pull and I demand that this inquiry be removed from my credit report immediately. 

XXXXXXXX XXXX  XXXX- The account number XXXX associated with XXXXXXXX XXXX XXXXXXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX- The account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Additionally, the account number XXXX associated with XXXX XXXX  is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - Furthermore, the account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Lastly, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

I understand that credit reporting agencies have a legal obligation to ensure that the information they report is accurate and up-to-date. Therefore, I kindly request that you thoroughly investigate these errors and take appropriate action to remove them from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-15
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-16
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. (IN)

Have disputed 3 accounts with Experian because 1of the accounts are not mine. ( XXXX XXXX XXXX {$400.00} ) They don't even have a record of this debt in their files. I've been XXXX  for several years and have not evrn had a home and certainly not in XX/XX/XXXX-XX/XX/XXXX. The account does not exist so how are they validating this? The other account with XXXX XXXX XXXX for {$650.00} was paid in full by XXXX XXXX Hospital because of my health and financial condition. I Sent a letter in from XXXX XXXX but they didnt validate it. XXXX XXXX doesnt work. I called each collection agency to see if in fact anyone from Experian had called and i was told no. I didnt even have any accounts with XXXX. The XXXX account was paid off by the hospital itself. The alleged late payment to XXXX XXXX  was a mix up due to a change in payment date. Never late. Letter was sent. No response. Asked for validation from Experian. Nothing! I thought that Experian was supposed to check this stuff out to see if it is correct or not?
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (SC)

Since XX/XX/year> I have sent letters and emails ; only way to communicate with company besides customer service number. They have no local office here in South Carolina and I am not able to locate any information on the company. I have sent DEBT VALIDATION/FULL DISCLOSURE AGREEMENT requests ; as well as ; REVOCATION OF POWER OF ATTORNEY and CEASE AND DESIST notarized copies to this company and still have been harassed. DOWN PAYMENTS are ILLEGAL 15 U.S. CODE {$1600.00} ( b ) and 15 U.S. CODE {$1600.00} ( 1 ) False and deceptive forms ; and they committed misrepresentation when they requested I paid a down payment and I have the right to rescind under 15 U.S. CODE 1635 ( 6 ) Right to rescind and keep property.
Consumer complaint received 2023-04-20
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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
Consumer complaint received 2023-09-09
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP (CA)

In XXXX  I had perfect credit I then went to XXXX XXXX XXXX XXXX XXXX I met a girl who was a XXXX XXXX  she told me that she could get me released early so I gave her my information and she begin to use my information inappropriately she opened an account with US Bank, and XXXX XXXX  when I was released I filed a police report. I sent it to all the bureaus and ever since my credit has been restricting me to uncomfortable living conditions as a result of some inaccurate information there is over 57 addresses on this report a clear indication that something is incorrect when I have been at only three locations my entire life.
Consumer complaint received 2023-11-15
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. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX