davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently went to qualify for a home loan and to my surprise an old XXXX XXXX Account appeared - this was fine as I am aware, but it was reporting that I was late as of XX/XX/2023 ( last month ). The account was closed, marked as paid, and settled but it is still appearing. XXXX XXXX says the can make no representation on how the account appears and Im at a lost.
Consumer complaint received 2020-03-06
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. (UT)

Please shut down Experian Credit Company. Their information is never current, and they are almost impossible to contact, or to get inaccurate information corrected, yet they are a main source of information from some groups such as auto loans or mortgages in consideration of loan. I received a notice my Experian score dropped to XXXX! No reason given. Also, XXXX XXXX XXXX has sent correction update status to the credit bureaus removing a 30 day past due entry. Experian has not updated this even though I have submitted several complaints through CFPB and directly to Experian. This is having a negative impact on my credit.
Consumer complaint received 2024-03-20
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 have no knowledge of account and demand its be taken off my credit report. It is interfering with me get a home and other necessities. If action of deletion isnt done with XXXX business days I will seek legal action.
Consumer complaint received 2020-03-06
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft and have noticed the following fraudulent accounts on my credit files : XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Furthermore, I am allowed under the HIPPA LAW ( Health Insurance Portability Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I have never given permission to the above named companies for them to release or be provided my medical information or for them to release or provide my medical information to a third party. I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization which I have never provided, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any/all collection costs and medical charges you were provided to validate this debt.

-Please provide a copy of my signature with the provider of service to release my medical information to the company reporting to you that you were provided to validate this debt -Immediately cease any credit burea

u reporting until debt has been validated by me Please send this information to me via mail, and accept this complaint as my 5th formal notice of my identity theft and debt validation request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt to validate it. According to the FCRA all debt must be validated prior to posting or any company paying for your reporting services can fax, mail, or email fraudulent debt. Furthermore, any reporting of this debt by you prior to allowing me to validate it is violation of the FCRA which allows me to seek damages from a collection agent. Due to these accounts being a result of Fraud under the FCRA you are required to remove adn block these accounts within four business days from receipt of this complaint.
Consumer complaint received 2024-03-20
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. (CA)

This is XXXX XXXX. Upon reviewing my XXXX and Equifax credit reports again, I can still see the unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I was first notified by my lender that there is a freeze when trying to pull my credit from Equifax. I contacted Equifax and they said that I do not exist in their system. I have faxed documents proving my identity multiple times and yet still nothing. I continually call and talk to someone who is unable to help me update my information and remove the freeze from my account.
Consumer complaint received 2023-05-12
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy.

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.

U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

On Ashley Home Furnishing I asked on XX/XX/2019 I asked to set my account on automatic payment their response was that I could not set it on autopay. Subsequently, my daughter was hospitalized in XXXX and in XXXX my grandmother passed and I was hospitalized due to XXXX XXXX which prevented me from making my payments. I pulled my credit report and Ashley Home Furnishing reported on my credit that this went into collections and I was not notified in writing as I moved and told them this on XX/XX/2019.
Consumer complaint received 2023-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I got a conventional mortgage in XXXX from Wells Fargo. I put 30 % cash down and had a 30 year fixed rate. No problems until XXXX when, because of job loss, I fell behind in payments. I applied for a loan modification and after much run around it was granted. It really wasnt much of a modification they simple lowered the payment but they kept accruing fees and deferred interest. Out of know where they said I was in default and started foreclosure. I felt that many times when I got them on the phone they were just playing me such as saying we are waiting for confirmation wait wait we got it my mistake your not approved. The reason they gave for starting foreclosure was late payments. This is absolutely wrong because they were constantly misapplying my payments- the delay was their fault. In short, I put my house on the market, sold it at a loss and had to bring a check to the closing because the fees ( late payments that were their fault, fees that made no sense, inspections and other ). My question- in the ten years since this happened Wells Fargo has continued to be fined for illegal actions toward consumers. I thought the Great Financial Crisis was a one-off but it appears Wells is an ongoing criminal enterprise. Is it too late to go after them for the pain they caused consumers? I used to work in the investment banking world so I know the games they played and believe someone ( people ) need to be held accountable.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2023-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX and these were inaccuracies XXXX XXXX XXXX XXXXXXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$2100.00} StatusClosed. 
XXXX Potentially negative Date openedXXXX Balance {$0.00} StatusClosed. {$910.00} written off. 
XXXX XXXX Potentially negative Date openedXXXX Balance {$0.00} StatusClosed. {$420.00} written off. 
XXXX XXXX XXXX  Potentially negative Date openedXXXX Balance {$450.00} StatusCollection account. {$450.00} past due as of XX/XX/XXXX. 



XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

XXXX was using XXXX  XXXX  for their store credit card. On XX/XX/2020 they moved their store card over to Citibank N.A. We received a notice in the mail that they were moving the account and we were to use the new website to set up our account. In order to set up the account we needed the new XXXX Credit Card. So we call Citibank N.A. and they said that the account was closed. We asked them who closed the account and they stated that the account was closed by XXXX XXXX. We then called XXXX XXXX  and they said that they didn't close the account it was just transferred to Citibank. We have been going around and around with them. We have no where to make our payments too. XXXX  wont take them and Citibank won't take them. If we don't make the payment they will put a negative mark against our credit.
Consumer complaint received 2020-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromisation of my social security number, and identity theft.
Consumer complaint received 2020-03-06
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: WHEELS FINANCIAL GROUP, LLC. (TX)

My current XXXX  credit report shows inquiries on XX/XX/XXXX and XX/XX/XXXX that I dont recognize and did not authorize. I have sent written notice to the business listed below that I did not authorize these inquiries and requested that they be removed immediately. The written notice was sent on XX/XX/XXXX with delivery confirmation. Also, the inquiries were removed from my XXXX   and XXXX  reports but still remain on my XXXX  report. 
These unauthorized inquiries are having a negative impact on my credit score/report and have been cited as reasons why I have been denied credit. 

Name of Business : XXXX XXXX/XXXX  ( aka Wheels Financial Group, aka XXXX )
Consumer complaint received 2024-03-20
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. (NY)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2024-03-20
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)

This is XXXX XXXX. Upon reviewing my Equifax credit report again, I can still see the unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2020-03-06
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: Experian Information Solutions Inc. (CA)

I applied for a XXXX 's credit card today XX/XX/20 and unfortunately, I was not approved. I called them to ask why I was not approved and they told that the reason is that there are five accounts in negative standing appearing on my credit report. I had no idea what accounts they were talking about since I have always maintained good payment history on any card or loan I have had. I got a copy of my credit report and I saw those five accounts and none of them belong to me. I did not open any of these accounts nor do I have any written/verbal contract with any of those companies ; I am not affiliated to the companies I have listed on this report in any way and I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods or services. I have filed a complaint with the CFPB and a police report.
Consumer complaint received 2020-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a XXXX 's credit card today XX/XX/20 and unfortunately, I was not approved. I called them to ask why I was not approved and they told that the reason is that there are five accounts in negative standing appearing on my credit report. I had no idea what accounts they were talking about since I have always maintained good payment history on any card or loan I have had. I got a copy of my credit report and I saw those five accounts and none of them belong to me. I did not open any of these accounts nor do I have any written/verbal contract with any of those companies ; I am not affiliated to the companies I have listed on this report in any way and I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods or services. I have filed a complaint with the CFPB and a police report.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I was notified by your company on XX/XX/2020 through A credit report regarding an alleged debt. I have reason to believe I do not owe this debt because I did not receive any communication from this company about a debt. Furthermore I have never given any of my information to your company. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Alaska.

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2020-03-06
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. (CA)

I applied for a XXXX 's credit card today XX/XX/20 and unfortunately, I was not approved. I called them to ask why I was not approved and they told that the reason is that there are five accounts in negative standing appearing on my credit report. I had no idea what accounts they were talking about since I have always maintained good payment history on any card or loan I have had. I got a copy of my credit report and I saw those five accounts and none of them belong to me. I did not open any of these accounts nor do I have any written/verbal contract with any of those companies ; I am not affiliated to the companies I have listed on this report in any way and I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods or services. I have filed a complaint with the CFPB and a police report.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for and was granted a loan modification on a home I inherited. XX/XX/XXXX, I called Bank of America 's automated system, to make my 2nd mortgage payment. The payment amount requested was {$290.00} more than the regular monthly payment. I call customer service and the rep said " the additional $ XXXX is the fee charged by the foreclosure attorney, but the good news, you're not required to pay it immediately, you can pay it whenever you are able ''. 

How is an extra $ XXXX good news? 

I read the modification docs I signed, and the bank accepted. There is no mention of that charge anyplace. I told the rep that and she said " we are not allowed to put that in the modification contract, but you have to pay it ''. I asked to speak with my CRM. The rep left a message for my manager, but told me, my CRM will tell me the same thing. 

I am at a loss. I have been working on this modification for a year, and this fee has never been mentioned. 

Bank of America is just able to apply a fee that has never been discussed?