davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
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. (NV)

I purchased my triple credit report on XX/XX/XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor. 

It has several FCRA XXXX XXXX XXXXXXXX XXXX  & XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law. 

1. Date of Last Activity inconsistent/Inaccurate : XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX. Payment History : XXXX XXXX XXXXXXXX XXXX has been reported XXXX times on XXXX  but It was charged off one time. 
NO payment history on XXXX, it's inaccurate XXXX  XXXX  days late : XXXX XXXXXXXX, XXXX XXXX days late. 
This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XX/XX/XXXX, XXXX  No Date, XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Terms : Not Listed on XXXXXXXX XXXX  or XXXX
Consumer complaint received 2023-07-25
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. (NY)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-07
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. (GA)

Disputed account with Equifax on XX/XX/2018 asking for method of verification. Previously account was noted as verified by Equifax. I contacted original creditor, XXXX on XX/XX/2018 regarding verification of account requesting original signed documentation. Response letter just restating what is on report - XXXX did not send proof of verification. Original creditor unable to provide adequate verification. 
-Equifax has not conducted 'reasonable ' investigation. 'Parroting ' original creditor.

-Equifax reporting inaccurate information to credit report. As noted, Equifax reporting payment activity beyond date of last payment.

It is believed that Equifax is in violation of FCRA regulations.

It is believed that original creditor may be in violation of FCRA regulations.
Consumer complaint received 2023-07-25
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. (OK)

It has been a battle going through this, and I am submitting this CFPB Complaint to request the deletion of the following fraudulent information from my credit file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges or open the accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records, and certainly not the alleged information showing on my credit report. Therefore, I request that you immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605B. I need the deletion of the following items completely from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These items were never authorized by me nor anyone on my behalf. Also, I would like to point out that I have been asking the Credit Reporting Agencies a copy of documents they found during their " investigation '' to prove that they have legal basis for their reporting and the Credit bureaus have been failing to provide these.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I RECENTLY LOOKED AT MY CREDIT REPORT AND IT SHOWS ON MY ACCOUNT THAT I HAVE LATE PAYMENTS. THIS INFORMATION IS INCORRECT BECAUSE I HAVE NEVER BEEN LATE ON MAKING ANY PAYMENTS ON THIS ACCOUNT
Consumer complaint received 2022-10-18
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. (MI)

Clarity Services  has violated my federally protected rights. Clarity infringed upon my rights to privacy violating 15 USC 1681. Clarity also reported inaccurate, false, misleading, unverifiable information causing me denials and failing to report maximum accuracy. Clarity Services employees/agents is using my consumer report with Extortionate means to coerce and swindle me into paying there business partners violating code 18 USC 894 and assume criminally liable and can be fined up to 20 years in jail. You are not on notice to Cease Communication from me from all mediums including my consumer report.. Remove all reporting information that Clarity Services have. Failure to comply will result in Matters in Legal Court for damages
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I am working with the Florida XXXX  Homeowners Assistance Fund and was awarded 18 months of mortgage assistance with Amerihome Mortgage company which began on XX/XX/2022. However, Florida XXXX Homeowners Assistance Fund ( HAF ) repeatedly states they sent the XXXX payment to my servicer on XX/XX/2022, but my servicer repeatedly states they have not received it. The way the process works is that HAF sends the servicer one lump sum check with payments to be applied to each individual customer 's account, not individual checks. It has been almost a month and still no payment has been applied to my account. It should not take a month to receive/apply a payment. I had to borrow the money and make this payment myself today to avoid getting a 30-day late notice on my credit report. Please help.
Consumer complaint received 2023-06-06
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights.

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

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-06
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX Acct : XXXX XXXX XXXX DE XXXX I am writing you because its has brought to my attention that Under the Fair Debt Collection Practices Act, debt collectors are prohibited from using false, deceptive, or misleading practices to collect debts. I am well-versed in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and it has become clear that my rights are being violated. Under 15 U.S. Code 1681b - ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. It has been 30 days and you are in VIOLATION of this law. Please delete this item IMMEDIATELY! This account should not be furnished on my consumer report as its in VIOLATION!!! At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, Equifax or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act * This is Defamation of Character and all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. **Attachments showing that this account has been deleted from the other credit reporting agencies. **
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

I called and requested a possible payment plan and made XXXX payments. XXXX began trying to auto draft payments every week since to the point I blocked them with my carrier. They then changed their name to get past the block and extract funds from my account. All without my consent. I never agreed to any automatic payments.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am disputing this information. And seeking reports free from XXXX  and XXXX  because they are also reporting inaccurate information. To third parties such as XXXX  XXXX  etc, its preventing me from getting proper housing XXXX, XXXX, XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX   XXXX, XXXX, XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX # XXXX**** XXXX XXXX # XXXX  ,XXXX  listed twice with misspelled name XXXX, XXXX  , XXXX , XXXX
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Around XX/XX/2018 I started the process to open a Charles Schwab account that provided an debit card. In order to open this Charles Schwab account, there was a lot of forms that needed to be filled up. I was also under the impression that the debit card would be XXXX XXXX   compatible as shown on their website. When I received the card, I attempted to add this to my XXXX XXXX wallet, but it kept failing. 

When I reached out to Charles Schwab about it, they told me that the account type I opened was incorrect and they would be happy to open the right account type for me. Unbeknownst to me, they ran a hard credit inquiry on me. When I found out about this I called Charles Schwab again about it, and they apologized for it and had me close the new account. They also said they would contact the credit reporting agency ( XXXX  ) to retract the inquiry, and I would have to wait 90 days for this to take effect. 

90 days have passed. XXXX  still has the record, and Charles Schwab conveniently passed this off as my responsibility to contact XXXX. When I talked to XXXX, they refused to help me or give me any status update about this, telling me it is Charles Schwab 's responsibility to remove the inquiry. 

At this point, I'm out of options as both parties ( Charles Schwab and XXXX  ) have refused to offer any assistance.
Consumer complaint received 2023-07-25
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. (SC)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Analysts of MN, Inc. (MN)

I just received a response from Professional Credit Analysts. They are refusing to remove a item from my credit file and outwardly being rude to me. I feel a investigation should be done on this company. They Stated that they provided all information I asked on them through PDF files. They did not. Bill of sale or some type of chain of title. I feel I am under no contractual obligation to this company. There is no contract. They need to show me the contract. This company I am very leary of. I really wish for the CFPB to look into this company further.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear CFPB, it has been a few months since I have dispute this collection account that is not mine with XXXX, Transunion, and XXXX. To date this has not been resolved. 

I solemnly swear that I have not had an account with XXXX  at any moment of my life. 

I had came on hard times because I lost my job and due to this collection account remaining on my profile I was denied for credit products that I would have been approved for. 

CFPB Team, I ask that you support me in the effort to have this account removed for goo so that my credit score can go back to normal. 

I am attaching the letters that I have mailed to each credit bureau to this complaint. 

By law please have these agencies put into effect that this account will be blocked or deleted from my credit profile immediately.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-10-21
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.