davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PARK XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-09
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. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX MI XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. STATES I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (NM)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX account The late payment being reported are in violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1666b - Timing of payments The timing of required information is from this company is not received within 21 days. 
XXXX XXXX credit bureau By definition an open end consumer credit plan is XX/XX/2022 Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Consumer complaint received 2023-03-09
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

XXXX XXXX XXXX  cancellation of debt of XXXX off the state of XXXX XXXX XXXX I'm the administrator of the state XXXX XXXX XXXX then turn around and force me into another loan modification after the cancellation of debt the loan modification did not include any of my payments or the cancellation that debt off the estate of XXXX XXXX they sold it to a new mortgage company called XXXX XXXX a blank loan modification paper with no papers or anything no administrative papers no surrogate papers no payments and no counseling Nation today of 1099 forms that they sent me and I asked the new mortgage company XXXX XXXX to straighten out the loan because it was arrested era on the loan modification before they sold it to selene Finance all the paperwork to straighten it out they never straightened it out they just carried the payments forward forward late charges then I became taxes in cuz my XXXX XXXX veteran they still counting the taxes and the payment and won't straighten the loan out but they trying to foreclose on my house and I need help.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Subject : Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and Equifax Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with XXXX XXXX XXXX XXXX. 

Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry.

I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late.

The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ).

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments.

Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies.

I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that XXXX XXXX XXXX XXXX complies with these obligations to rectify any potential adverse impact on my credit history. 

In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. 

Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and Equifax will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. 

Done in good faith.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

To Whom It May Concern : This collection agency is trying to collect based on incaccurate information that is not owed. 
Please see attached a copy of my request via email to cancel my lease with a 60 day notice on XX/XX/XXXX. The office manager, XXXX XXXX, responded to me via email on XX/XX/XXXX, acknowledging my notice to end my lease ( see attached ). So, per the lease agreement, a 60 day notice is required ( see attached notice ). Furthermore, I vacated the premises of the apartment on XXXX, the day that I signed my new contract on the place that I moved. Consequently, I was not living at XXXX XXXX XXXX during the month of XX/XX/XXXX to XX/XX/XXXX, as in what your collection letter states. I have enclosed a copy of the United States Postal Service change of address confirmation on XX/XX/XXXX, showing that I had moved, and I did not live there anymore. So, as I have previously stated, I was not living there during the month of XX/XX/XXXX. 

Section 623 ( e ). The Fair Credit Reporting Act prohibits information furnishers from providing information to a CRA that they know or have a reasonable cause to believe is inaccurate. 

Please delete the inaccurate information from all three of my credit bureaus. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX XXXX
Consumer complaint received 2023-03-07
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. (TX)

Please see the attached FTC report and remove the following unauthorized inquiries and account. I have tried many times sending letters directly to the credit reporting agencies and it fell on deaf ears. This is my last attempt before I take legal action due to many FCRA violations. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have no knowledge of this, and all is being investigated by the FTC.
Consumer complaint received 2023-03-08
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. (IL)

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as NOT MINE and as Identity Theft from my consumer report.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I requested that following addresses be removed as I have been a victim of fraud : XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD I also requested to have my former employer removed due to fraud ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DC XXXX XXXX
Consumer complaint received 2023-03-06
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. (HI)

I sent a letter to Equifax Dispute Center on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of the information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected rights.
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

As power of attorney ( POA ), I have been trying to get access to my fathers accounts for months. On XXXX XXXX Coinbase emailed asking that I use their secure site to upload copies of the POA and my state issued drivers license. They told me that I must create a separate POA account and the assets would be transferred to that account. 

On XXXX XXXX  I confirmed to Coinbase that the documents had been successfully uploaded and submission ID # was XXXX  and that an account had been created using my email. Hearing nothing, I confirmed that I had completed the requested steps again on XXXX XXXX XXXX XXXX XXXX 

On XXXX XX/XX/XXXX I was told to verify my ID for the new POA account through Coinbase. While I had received confirmation from Coinbase that my ID had been verified when I set-up the account on XX/XX/XXXX, I completed this for a second time on XX/XX/XXXX and again received a note from Coinbase saying the ID was verified. On XX/XX/XXXX, and XX/XX/XXXX I contacted Coinbase to follow-up as the assets had not been transferred. 

Their case # is XXXX.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXXXXXX XXXX XXXX XXXX  of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my Experian Credit account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both XXXX and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the XXXX XXXX XXXX as well. I spoke with XXXX XXXX XXXX  on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call Experian credit Bureau to close this account that is currently open..stating they dont report to Experian credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

On XX/XX/27 I noticed a pending charge for XXXX that I did not authorize for {$110.00}. 
I contacted XXXX and they confirm that this was not a valid charge on my account but to contact PNC ( my bank ) to start a dispute. 

I contacted PNC on XXXX after the amount was posted on the account to dispute the charge. The reason was that I did not make this transaction and this was a fraud purchase. 

I spoke to several reps that informed me although this transaction was unauthorized, that they can not refund the amount charged. 

I am contacting the CFPB in order to step in as under good faith I decided to bank with PNC under their fraud protection. Yet when I need it at the moment, they can not provide the feature they are advertising.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I recently reviewed my Equifax report to see that I have suffered a 220 point decrease in score because the following accounts have been removed from my credit report due to missing addresses and incorrect information being listed on the account. 

MAJR FINANCIAL CORPORATION - Revolving Account XXXX/LOCAL GOVERNMENT - Revolving Account XXXX  - Revolving Account XXXX  - Installment Loan The following addresses are listed on my report but DO NOT have any personal linkage to my credit history and any of the missing accounts as listed above, these addresses should be removed promptly. 


XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The ONLY two addresses that are tied to my hard work and diligence of on-time payment history and excellent reporting of positive credit behaviors which are indeed tied to the credit accounts listed above are : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This radical change is due to a recent discovery and result of report inaccuracies on my behalf which I have effectively disputed through the proper channels directly with each bureau for accuracy, but nothing has been done on my behalf to remedy this problem.