davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NM)

Debt is between XXXX and XXXX. Phone were traded into XXXX and XXXX says I owe them for the phones. Sunrise Credit represents XXXX and un-lawfully re-aging reports of Debt Collection on my SSN and messing up my credit. Here is a sample of the Illegal Re-Aging practice as reported to all 3 credit agencies : Collections SUNRISE CREDIT SERVICE has flagged your account as Collections.

Yesterday Collections SUNRISE CREDIT SERVICE has flagged your account as Collections. 
XX/XX/2020 Collections SUNRISE CREDIT SERVICE has flagged your account as Collections. 
XX/XX/2020 Loan Paid
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

in accordance with the FCRA XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy furthermore 15 USC 1681 section 604a 2 call also states, a consumer reporting agency can not furnish an account without my written instructions. Oh, lastly, under 15 USC 1666B and creditor may not treat a payment on a credit card account on an open-ended consumer plan as late and 15 USC 6802 obligation with respect to disclosure of personal information.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
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)

my information with Equifax has been breached. Here is the proof and they refuse to delete these accounts, no matter how many times i have sent evidence, off my credit report. Here all the accounts names and numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete this immediately from my credit reports as i am a victim of the equifax beach Also when i call Equifax they are saying my file has a block and to send supporting documents to unblock the file. Supporting documents have been sent every month for the past three years and yet i am still unable to access my reports. I would like to be compensated {$3000.00} for violations of FCRA, postage and gas spent for the last 3 years, defamation, and embarrassment.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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 2023-04-20
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: EQUIFAX, INC. (NC)

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 2024-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (LA)

This company is saying that I owe them {$650.00}. I have never applied here, I have never lived in this place I have no idea why this debt is on my credit report. I have tried to dispute with no luck. This is NOT my debt.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I sent two letters to Capital One disputes ( since the address I received from customer service was different than the one I saw online ) to ensure they received my letter. USPS tracking made me aware that both letters were received on XX/XX/XXXX. The letter was written after multiple attempts to resolve the issue over the phone were unsuccessful. I sent the letter because of numerous billing errors that have led to my car being wrongfully repossessed on XX/XX/XXXX and inaccurate reporting to the credit agencies, and that has caused me to be in loan repayment longer ( and causing me to pay more on my loan inaccurately ). I have received no knowledgeable explanation for my disputes through COAF customer support and have continued bills with increased overdue amounts after having made a payment through a payment plan and have had miscellaneous charges on my account ( when I called to inquire about the additional costs, I was told they were additional repossession charges ) So ; I began to look into my account. The following is from the letter I sent. 

A growing concern regarding the accuracy of my account began after receiving multiple statements with an additional charge of {$330.00} under " other fees, '' invoices with past due balances after completing a payment arrangement, and significant variations in interest charges. After reviewing my account, I believe that my current and past-due balances on my account are inaccurate due to the following billing errors : 1. Inaccurate and increased monthly payment charge 2. Inaccurate and increased interest charges 3. Erroneous additional charges 4. Payments unaccounted for Nearly a week after COAF received my letters, they are continuing collections attempts after receiving my dispute on the current balance on my account and the past due balances. I am now filing my complaint with CFPB to help escalate my issue.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

My account was paid in full and closed. XXXX shows accurate information. However, XXXX XXXX and Equifax showing as charged off as bad debt and never paid. XXXX XXXX XXXX XXXX XXXX  credit card.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (TX)

In accordance with the fair credit reporting act, this creditor IQ Data- account # XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: Experian Information Solutions Inc. (LA)

I reviewed my credit report and have noticed there are several inaccurate addresses, phone numbers, employers and negative accounts etc that are not and has never been associated with my Name Or Social Security number. My credit report has been violated seriously, These corrections needs to be made immediately. In conclusion to this letter, please note the following consumer laws has been violated.

( 1. ) 15 US Code 1681 Section 602 ( A ) ( 2. ) 15 US Code 1681 Section 602A Section 2 ( 3. ) 15 US Code 1681 C ( A ) ( 5 ) ( 4. ) 15 US Code 1681 S-2 A1.

( 5. ) 15 US Code 1681 I5 Sincerely, XXXX XXXX XXXX
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: EQUIFAX, INC. (LA)

I reviewed my credit report and have noticed there are several inaccurate addresses, phone numbers, employers and negative accounts etc that are not and has never been associated with my Name Or Social Security number. My credit report has been violated seriously, These corrections needs to be made immediately. In conclusion to this letter, please note the following consumer laws has been violated.

( 1. ) 15 US Code 1681 Section 602 ( A ) ( 2. ) 15 US Code 1681 Section 602A Section 2 ( 3. ) 15 US Code 1681 C ( A ) ( 5 ) ( 4. ) 15 US Code 1681 S-2 A1.

( 5. ) 15 US Code 1681 I5 Sincerely, XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I reviewed my credit report and have noticed there are several inaccurate addresses, phone numbers, employers and negative accounts etc that are not and has never been associated with my Name Or Social Security number. My credit report has been violated seriously, These corrections needs to be made immediately. In conclusion to this letter, please note the following consumer laws has been violated.

( 1. ) 15 US Code 1681 Section 602 ( A ) ( 2. ) 15 US Code 1681 Section 602A Section 2 ( 3. ) 15 US Code 1681 C ( A ) ( 5 ) ( 4. ) 15 US Code 1681 S-2 A1.

( 5. ) 15 US Code 1681 I5 Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (SC)

During an auto lease transfer, the dealership failed to send the payment to the finance company. As a result, the lender contacted me regarding the issue, and I immediately notified the dealership. Unfortunately, the dealership did not respond promptly, leading to XXXX XXXX XXXX XXXX incorrect late notice on my credit report. I have repeatedly expressed my concern to the XXXX XXXX and was assured that they would update the information immediately. However, despite their promises, the error has not been corrected. As of XX/XX/XXXX, I checked my credit report, and the mistake still remains. 
XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX and closed XXXX weeks thereafter
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (FL)

I have noticed several errors on my credit report, including a concerning entry from 'IQ DATA INTERNATIONAL IN. ' Recently, I applied for a loan through my financial institution and was informed of a credit delinquency that would lead to rejection. Initially, I didn't pay much attention to it, but upon conducting my own investigation, I accessed my credit report from all three bureaus. To my dismay, I discovered numerous discrepancies that were not associated with me and were never authorized by me. These discrepancies, including the XXXX from 'IQ DATA INTERNATIONAL IN, ' were negatively impacting my credit report even though I had no involvement in them. 

Understanding the seriousness of the situation, I promptly researched the appropriate steps to address this case of identity theft.
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. (FL)

I am submitting this CFPB Complaint to follow up the inquiry dispute process. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX. Again, this action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate, if possible please REMOVE the inquiries in question. I never authorized such action and this constitutes a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. Please see the list of the Inquiries below : **EQUIFAX** 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 2023-11-15
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: EQUIFAX, INC. (TX)

Ever since XXXX I have requested experian and equifax to remove these fraudulent accounts due to identity theft. They didnt do nothing in XXXX and XXXX but XXXX remove the account and put it back on the report within a hour in the same day, when they must give you a 5 day notice of reinsertion. So both of these credit bureaus told me that both of my police reports and ftc reports were fake and instead they did a verification of the accounts to the maximum accuracy and I ask them why they denied my fraud report and I ask for method of verification and they said they dont have the information. I told them if they dont have the information that they must delete. The fcra 15 USC 1681 sec e ( b ) that my accounts my be accurate to the maximum accuracy or delete the accounts. I also looks my XXXX credit report, for your name, address and other items they have identifiers, so they can try to prove that the XXXX XXXX XXXX account and the other accounts under dispute right now, they switch the address from the address where the account was really open at and put my address I love at now but the house wasnt even built in XXXX or XXXX, these are over 120 days this year along where these accounts must be deleted because of non verified, inaccurate information reporting negative information under my report. So since they said the police report is fake if they dont remove this items I will give the police the letter and force them to subpoena in court, they didnt verify the accounts after they rejected the fraud ftc so the accounts should be immediately remove. I also approved for a {$440000.00} loan but got denied after a repulled where those accounts became charge off. I got denied 3 cars for turo and other loans as well, lost {$12000.00} bc equifax mark two of my positive accounts as fraud when I never disputed those. These two bureaus has cause so much damage in my life, cause me to be on medication for XXXX and XXXX. And hurt me financially, this is why I will never give up but it will be court from this point forth. I highly advised those bureaus to look at that inaccurate information and removed it because it is passed there time and tell equifax to not forget about the other accounts, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, that they have as a charge off and the other account thats at this moment is under dispute. Not one of these accounts are accurate
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 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 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 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$6500.00} ; XXXX XXXX XXXX Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. ) Balance Owed : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; DPT TREASURY XXXX XXXX Owed : {$2200.00} ;
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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 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 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 2024-04-05
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION (NY)

My home loan was consolidated with a home improvement loan. After realizing the principal amount on the note was incorrect they modified the principal amount from {$690000.00} to about {$620000.00}. I was being overcharged and after making the adjustment on the principal amount I do not believe an adjustment was made on the interest paid. My loan was sold several times and in my foreclosure action they presented a note that was not endorsed. Judgment of Foreclosure and sale was entered by default and not on the merits. Based on a recent forensic review it was recently discovered that in my bankruptcy proceeding the alleged lender had to prove they owned my loan and submitted a note with my forged signature. This note was not the same note they presented to the court in my case. Additionally there is only one endorsement. I have reason to believe that the party enforcing this claim is not the owner of my loan. Illegal charges has also been added onto my loan and the amount they claim is owed is disputed.