davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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)

There are several inquiries that I require proof of a permissible purpose. 
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the fraudulent accounts currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, these accounts are still being reported on my credit report. I have contacted the creditors associated with these accounts, and they have acknowledged the fraudulent nature of these accounts so the accounts were already removed from XXXX and XXXX. I have also provided the creditors with all necessary documentation to support my claim. Please remove these accounts from my report : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-05-08
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. (PA)

I was on a retroactive forbearance for my student loans through XXXX XXXX from XXXX XXXX through XXXX XXXX. XXXX had reported on all XXXX credit bureaus that my XXXX payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Zillow Group Inc. (GA)

The lender did not provide the Final Disclosure within the 3 days before the closing. I was going to close on XX/XX/XXXX, and the final disclosure was there with the closing legal firm and never shared with me before that. On previous disclosures they confirmed an USD XXXX to bring to the closing and just then and there I was surprised with USD XXXX The first estimate was provided on XX/XX/XXXX and that disclosure was correct with a USD XXXX, but the following estimates in were around USD XXXX. 
Given that they did not send the Final Disclosure I contacted the lender the day before and he provided the same amount ( USD XXXX ) and to transfer some additional money just in case some minor change. I wired USD XXXX. 
On XXXX the second ready to sign everything they sent the legal firm ( not me ) that I need to bring to closing USD XXXX. 
I was able to transfer the money, but they impacted my cashflow to do the moving, and improvements that I needed to do to my new house. 
Also, they deleted all the inaccurate disclosures from the system and now I can 's access them. I only have access to the first estimate ( that it was ok ) and the final one because I signed it at the closing. 
I do have though the text messages with the lender confirming the closing number just the day before. 
In summary they failed to comply with the rule to share the Final Disclosure 3 days before and impacted me in my cash flow and final decision making process.
Consumer complaint received 2022-11-29
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. (NV)

HELLO, MY NAME IS XXXX XXXX, A FEDERALLY PROTECTED CONSUMER. I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS UP TO NO GOOD WHEN BEING THAT HE WAS SO QUICK TO STOP TALKING TO ME FOR NO REASON. I NEVER USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRUADULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX, FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2024-04-02
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)

XX/XX/XXXXXXXX  I submitted disputes to XXXX, Equifax and XXXX to get several issues resolved to no avail. 
All companies listed are in violation of the Privacy Act of 1974, Fair Credit Reporting Act 15 U.S.C 1681b and the Federal Educational Rights and Privacy Act ( FERPA ) 15 U.S. Code 6801 - PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party Most Important is the violation of [ 16 CFG 313.3 ] DEFINITION ( o ) Personally identifiable financial information ( 2 ) Examples ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

HELLO, MY NAME IS XXXX XXXX, A FEDERALLY PROTECTED CONSUMER. I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS UP TO NO GOOD WHEN BEING THAT HE WAS SO QUICK TO STOP TALKING TO ME FOR NO REASON. I NEVER USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRUADULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX, FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is 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/block any items 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 ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX XXXX Balance XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Hi, I have not knowledge at all of coming into any agreement signed or otherwise with MIDLAND CREDIT MANAGEMENT. I'm absolutely sure that this is an attempt to promote an illegal scam, financial or identity theft by MIDLAND CREDIT MANAGEMENT that is not licensed to collect payments in the state of New York. Based of the inaccurate data you furnished to my XXXX credit report I would like to know who or which company did illegally shared, stole or sold you my personal private information without my written consent.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXXE XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open.
Consumer complaint received 2023-10-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (FL)

I used my XXXX XXXX to purchase two duvet covers through the XXXX XXXX program and returned them in new condition, adhering to their return policy for XXXX merchants. While XXXX promptly refunded one cover, they refused to refund the other, claiming it was worn, despite it being returned in new condition. XXXX provided no evidence or clarification about their '' 'worn '' claim, and they falsely blamed the XXXX XXXX partner for the decision. 

In addition to this, XXXX declined refunds for XXXX other returns, each time offering different but incorrect explanations. Despite these issues, I continued to place new orders on their website, which were successfully delivered on XX/XX/XXXX and XXXX. 

As XXXX failed to respond to my attempts to resolve the issue, I filed disputes for all XXXX transactions with XXXX XXXX around XXXX XXXX. I submitted documentation, including tracking numbers confirming delivery, and provided photographic evidence for the new condition of the " worn '' duvet cover, along with a email from the XXXX merchant to XXXX requesting that I be refunded. 

The dispute process was frustrating. I encountered difficulty even filing a dispute, being sent around in circles for days. After it was filed, I received contradictory letters about the disputes, some stating that the all the disputes had been closed, while others claimed they were still being pursued. After filing a complaint with the Better Business Bureau, XXXX eventually refunded XXXX items but remained uncooperative regarding the " worn '' item. After multiple follow-up calls to XXXX, they agreed to issue a refund, making me financially whole. 

After initiating the disputes, my XXXX account ceased functioning properly. This is very troublesome as a XXXX adult who struggles to shop in the store. After the dispute, I could place orders on XX/XX/XXXX and XX/XX/XXXX, but both were cancelled hours later. I want to emphasize that this issue did not arise due to the amount of returns, as my account worked fine before I opened the RedCard disputes, as I was able to place orders on XX/XX/XXXX and XX/XX/XXXX. Both XXXX customer service and XXXX customer service confirmed that my account was locked due to the disputes filed on XX/XX/XXXX, citing " irregularities that could not be resolved. '' They explicitly stated that XXXX XXXX is managed by XXXX and only " powered '' by TD Bank. Locking my account solely due to the disputes, despite eventually agreeing that I was owed a refund in all XXXX disputes, appears to be retaliatory and XXXX potentially violate the Fair Credit Reporting Acts rules against retaliation stating the issuer " may not close or restrict your account ( though it can apply the disputed amount against your credit limit ) '' and " cant discriminate against you if, in good faith, you exercised your rights under the law to dispute a bill. ''
Consumer complaint received 2015-09-24
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Global Recovery Group (AZ)

This company refuses to send me documentation of the debt they say I owe. They said it 's against their policy and they are not allowed to send me anything in the mail or by email. I 've asked multiple times and was told my credit card company should 've did that prior to giving my debt to their company. They also are threatening to send someone to my house or work to give me a packet, yet nobody comes. They also said that by not paying I 'm committing fraud and it 's being reported as such. I attempted to make payments and set up payment arrangements and they said they wo n't take less than XXXX a month and hung up on me when I said I ca n't afford that much in a month. They refuse to work with me. I want documentation on my debt and I am unable to get them to send me anything. They call multiple family members in and out of state, even after talking to me and knowing my address and phone number. They tell my family I have a lawsuit against me and they hang up on my family once they are asked to not call again. They continue to call my family even after speaking to me on the phone. If I am unable to answer the phone I immediately get another call, within the same minute of the previous call. They imply that something bad will happen if I do n't pay them and that I am committing fraud, their words, and it will be reported and treated as such. This company also does n't verify my information before disclosing any info. They do n't say, this is an attempt to collect a debt and any information will be used for that purpose. I could be anyone on the phone and they disclose everything.
Consumer complaint received 2024-04-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$40.00}, XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Consumer complaint received 2024-04-02
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. (TX)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
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. (NC)

I sent a complaint requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the account is inaccurate, incomplete and outdated : XXXX XXXX Balance : {$320000.00} I never missed my payment. I think you are reporting inaccurate information. 30 days late last XX/XX/2024 is questionable. Please reinvestigate and repair this account. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct the disputed account from my report immediately as you failed to comply with the law.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

LCI is reporting a bankruptcy in my credit file and has put the data furnisher as the, XXXX XXXX XXXX  XXXX XXXX Georgia, which is false. I have included a letter, from the XXXX XXXX  XXXX XXXX Georgia, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
LCI  is falsely reporting this information. Therefore, supplying the credit bureaus with false information and have yet to remove it from my credit file.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

DISCOVERBANK is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. TXXXX XXXX XXXX XXXX XXXX ) is not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( DISCOVERBANK XXXX )
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

There is an unknown name on my credit report, my name is XXXX XXXX and I never used the name XXXX XXXX XXXX. Neither have I ever used the address XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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)

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 accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX