davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

After reviewing my equifax account I realized there were unauthorized hard inquiries on my account. I sent a certified mail to Equifax with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The certificate mail indicates the mail was delivered on the XX/XX/2022. A follow up call to Equifax on countless occasions to get an update and they repeated lie that they did not receive the letter. 

The accounts involved are as follows ; XXXX XXXX XXXXXXXX XXXX, XXXX.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I never gave consent for these creations. I've attached the required documentation to validate my stance. I'd appreciate your swift action to address and correct this issue by ensuring the removal of the fraudulent accounts from my credit report. Your prompt attention to this concern is greatly valued.
Consumer complaint received 2023-12-23
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. (AZ)

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 Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 XXXX other adverse item of intormation. 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 2023-12-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NY)

Several years, I trusted this person to pay my XXXX XXXX  credit card bills and now XXXX XXXX  wants me to pay the {$12000.00} dollars and I am not paying for that. Discover Card says I have to pay the {$3.00}, XXXX because I trusted this person. I am so tired of getting the calls.
Consumer complaint received 2023-12-23
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 2020-08-01
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. (GA)

I have advised Experian on several occasions that I was never late on my XXXX XXXX account opened in XX/XX/XXXX, my XXXX XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX XXXX   account opened in XX/XX/XXXX, the XXXX XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX A account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX opened in XX/XX/XXXX, and the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX is not mine, this information is inaccurate and may be a result in identity theft. I have provided proof to Experian that this information is inaccurate. Experian has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from my credit file.
Consumer complaint received 2023-12-23
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. (NY)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/23 I received an unsolicited debit card from Capital One in the mail. I did not open this account. I called Capital One and they told me the checking account was opened on XX/XX/23 and they had my correct SSN, address, birth date, and email address. I have freezes on all of my credit agency accounts and was unaware that bank accounts are not subject to credit agency verification. Is there a way to flag my SSN so that no such accounts can be opened?
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have contacted EXPERIAN many times to correct my personal information. 
They have received copies of my government issued driver 's license and court documents SHOWING my name is XXXX XXXX XXXX For some reason - EXPERIAN has NOT updated that information so while I am paying for my {$40.00} a month package to monitor my credit because they have FAILED to do their job- the services like IDENTITY theft I am paying for and XXXX  are not able to be used because among other things EXPERIAN has not rectified the information that is ALREADY on previous filings with CFPB PENDING and complaints I filed with them and did nothing. Currently I am on the phone with a XXXX telling me that the reason the FEAUTURES I pay for are not able to be used because my name is wrong on the system. The XXXX like all FOREIGN BASED XXXX  put you on hold and hang up when it's close to closing time ( like they did again just now ) Experian has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2023-12-23
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. (TX)

Credit Agency XXXX, XXXX, Equifax have Violation of my Family Educational Rights and Privacy Rights dating back from XX/XX/XXXX ( XXXX XXXX XXXX $ XXXX ) ( Dept of Ed/XXXX  ( XX/XX/XXXX ) {$28000.00} Loan. 
I been at this for a long time and I tried to get this information off my credit. All of these Credit Agency still reporting my information as of XX/XX/XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (LA)

I recently discovered that Alley Bank had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX  Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. In light of these circumstances, I have sought legal counsel and have retained the services of attorney XXXX XXXX to address this matter. I am hereby requesting that Alley Bank rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
Consumer complaint received 2023-12-23
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. (PA)

I have inquiries on my credit reports. 


Inquiries 1. XXXX XXXX  XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX, 4. XXXX XXXX XXXX 5. 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. (CA)

When I reviewed my credit report, I discovered some information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2023-06-19
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: OPORTUN FINANCIAL CORPORATION (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2023-12-23
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)

Equifax and XXXX are reporting. 
Denefits ( XXXX as " late '' for more than ( 180 ) days. In accordance with Fair credit act, this creditor has violated, my rights under 15 USC 1681 ( section 602 ) states.

I have the right to privacy. Under 15 USC 1681 ( section A ) states the consumer reporting agency can not furnish an account without my written instrument. which I haven't provided.
Consumer complaint received 2023-06-15
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. (AZ)

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I received that some accounts are still incorrect, with a verified status. Please correct or delete the following accounts : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$100.00} XXXX  XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SIMMONS FIRST NATIONAL CORPORATION (MO)

I was attempting to gain an extension on a HELOC that Ive had for decades ( originally obtained in XXXX MO ). The original bank, XXXX XXXX XXXX, had offered me the HELOC as a way to keep me and my very small business covered during lean times. It worked very well for me. Renewal/extension was always a pretty straightforward matter and the loan officers then were helpful. Simmons Bank took over XXXX XXXX ( then XXXX ) a few years ago. I am now XXXX XXXX XXXX and the HELOC was going to reach maturity. I supplied many pieces of information. The process continued to drag on due to delays on their end ( e.g. asking for one piece of info and then a week later, another ) with an XX/XX/XXXX maturity date looming. They discovered two small liens totaling around {$7000.00}, the result of a wonderful program offered by the XXXX of XXXX MO to help low-income homeowners get needed repairs to their homes. The loan for seniors like myself was zero interest with zero payments and only payable if the house changed hands. 

I am filing a complaint because when time ran short on the renewal, the unnamed underwriter instructed XXXX XXXX, the person who was emailing me, to suggest that I, at XXXX and on Social Security, with an admittedly low income, use the remainder of the HELOC to pay that off. Why? So that Simmons Bank could be # 2 to collect on a default of the mortgage or loss of the house, rather than # 4. Thereby putting a person of my age under the unnecessary burden of paying interest of 7.5 % or more on a loan offered by the City that was meant to be zero interest, zero payments. Preying on low-income seniors! Giving terrible advice, as well. 

Next, my son wired the funds to pay off the HELOC on XX/XX/XXXX and Simmons held the excess funds from the wire for 2 weeks. No one asked me what I wanted done with the excess. No one contacted me about the excess at all. When I inquired as to the whereabouts of the money, I was told that it would be put into a cashier 's check and mailed to me, instead of simply putting it into my account. On XX/XX/XXXX, I told both XXXX XXXX and the then named loan officer, XXXX XXXX, that I wanted it put into my account. They wrote a cashier 's check, regardless, and because I called and expressed my extreme frustration and anger, the money was finally put into my account. I'm sure that my letter of the previous week to the president and COO of Simmons may have red-flagged my account -- but no one did anything about it until I called XXXX XXXX. 

Simmons is generally hated in my community, especially by all of us previous XXXX customers, who were not given a choice of banks. Many of us were stuck with Simmons and its utterly deplorable customer service and unethical business practices.
Consumer complaint received 2023-12-23
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (ME)

I applied for the save/repaye program before payments were about to begin. I was informed that while my app was processing, I would be put in administrative forebearance. Then I receive a statement showing I would owe {$780.00} for XXXX, which was {$500.00} more than the repaye/save quoted me. I checked the status of my application and it said it was still being processed. So I didnt understand why I would owe the old payment amount and need to start paying when the application hadnt been processed. I sent XXXX separate messages to Mohela after way too many attempts to try to call but the wait times are outrageous and I work full time with XXXX kids under XXXX. I also messaged studentaid.gov and am awaiting a response. 

I check my bank account today because I tried to use it for gas and it was declined! and I see theres a withdrawal of the {$780.00} from my account for a loan payment! I never authorized this payment! It put my account in the negative, right before XXXX and needed expenses like groceries and last minute gifts. Thats the worst and most stressful. I called my bank and asked if they could stop it because I didnt authorize that payment amount and they did but would charge me {$30.00} AND my account will continue to reflect negative until Tuesday XX/XX/26- talk about the worst. 

I need help and need people to hold Mohela accountable. This is unacceptable and I deserve better. all of us borrower deserve better and I know Im not the only one. I should be in admin forebearance until they figure their stuff out and process my app. I cant be expected to pay an incorrect amount when its not feasible for my family and the need we have. Please help. Thank you. 

What XXXX even more is Ive worked for XXXX XXXX XXXX XXXX XXXX  for over 12 years in XXXX XXXX and I cant get forgiveness because back then, XXXX loan companies lied to me and gave me incorrect info. This is all terrible way of handling borrowers livelihoods who are trying to work. Support their families and live a decent life. Im nowhere near rich and need help and advocacy.