davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit reporting 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 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 accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts 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
Consumer complaint received 2022-12-19
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the item that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}
Consumer complaint received 2022-12-19
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)

Your Information First name : XXXX name : XXXX XXXX : XXXX XXXX : USAPrimary phone XXXX phone number : Email address : XXXX of XXXX Street address : XXXX XXXX XXXX XXXX XXXX XXXX Number / po box XXXX City : XXXX XXXX : XXXX XXXX have lived at this address XXXX / 2019 Update Details about the identity theft Theft Incident : Other Identity Theft With what company or organization did the identity thief pretend to be you? Name of an organization representative that you spoke to : Organization 's phone number : Organization 's email address : When did you first notice the problem? If you know, estimate any fraudulent XXXX number : Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) XXXX Street address ( including apartment info ) : Country : UNITED STATESCity : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information? 
Do you have any additional information about the suspect? 
Update Additional Information Have you reviewed a copy of your credit report? 
Yes Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have you contacted your local police department? 
NoPolice department : State : Have you requested a fraud alert from one of the three national bureaus ( Equifax, XXXX, XXXX )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. 
No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours? 
No Were there any fraudulent accounts included in your credit report? 
Yes Update Comments about your situation Personal Statement : 700 creditcontra cost. XXXX cards XXXX. XXXX  XXXX XXXX. XXXX. XXXX  XXXX. XXXX XXXXXXXX bank XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Update
Consumer complaint received 2024-03-12
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. (SC)

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.

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 a 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 2022-12-19
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. (GA)

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 bankruptcy 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 any item 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 item which does not belong to me or was opened without my permission. 

XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (NY)

Selene Finance a debt collector took advantage of me several times. Twice that I know of they taken money from me on 2 modifications and increased my mortgage payment to a higher amount. Over a few years with Selene Finance my mortgage jumped up to XXXX more towards my debt. After years fighting with this company they ended up selling my mortgage to a lender called XXXX XXXX. Honestly this company is doing really nothing for me as well. What can I do now do fix my mortgage and get myself on track again? 

Please email me at XXXXXXXXXXXX
Consumer complaint received 2022-12-19
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. (CT)

I received a call from a someone claiming to be XXXX XXXX who used an old phone number I do not use to convince me they were XXXX XXXX and that they wanted to give me an additional line of credit or loan, by the time I realized these people were not XXXX XXXX it was too late. 

I called XXXX XXXX and confirmed that XXXX did not perform a hard inquiry nor did they offer me a new line of credit or loan, their fraud and security division told me to notify the police and the credit bureaus. I was told that when contacted XXXX would confirm that they did not call me or make a hard inquiry on my credit file. 

I reported what occurred to in the town the incident occurred in XXXX XXXX, CT police department case # XXXX I also opened a dispute on Equifax
Consumer complaint received 2020-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

XX/XX/2020 - A call at XXXX am was received from phone number XXXX -- was claiming to have my social security number and was attempting to get more information from me and I told him I don't owe any debts and I told them to stop calling me and hung up. The same person called using UNKNOWN and other out of state numbers.
Consumer complaint received 2017-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC. (FL)

Charge off of a repossessed vehicle balance increases constantly. Threatened by garnishing wages. Bank account money taken. Thousands in collection fees. Protected by florida head of household. Having sheriff department harass me at my home with civil documents. If I respond there are additional legal fees. Loan is from nearly 4 years ago.
Consumer complaint received 2022-05-26
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. (AZ)

I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-equifax are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XX/XX/2022 XXXX XXXX  I went to a Huntington bank branch located in XXXX Mi and I could see a few cars in line for drive through so I decided to go inside but guess what doors were locked and it was drive thru only so I got in the drive through line and hat to wait almost 30 minutes to get to the window after waiting so long I thought to myself its time to switch to a different bank I told the teller I would like to close my account she said I would have to go to another branch were the inside was open so I ask what was the most I could withdraw she said XXXX and gave me a withdrawal slip that I filled out and returned to here with my VALID state identification the same Id I opened my account with so I few minutes went by and she ask did I work for a company and I replied no a couple more minutes went by and she ask me another question and I told her I wasnt answering anymore questions just get MY money so I can go she just sat there do I said give me back my id and she said the transaction wasnt going to be put thru I got my Id and left I went to another Huntington bank branch on the other side of town a 40 minute drive with gas XXXX $ I wanted to close account and receive cash the teller explained to me that they didnt have enough cash on hand and then she said my account has been flagged for identity theft and fraud from the bank teller that I went to first she maliciously put fraud on my account forcing a hold on all my money when the had my VALID state identification she did this purposely so I would be put in a bind now I cant get any money from my account and I have XXXX $ to my name Huntington Bank should be ashamed and there is nothing they can do to make it right this was completely wrong
Consumer complaint received 2019-06-26
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. (FL)

Equifax and XXXX  are reporting incorrectly 30 days past due on the XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SHAPESHIFT AG (MD)

On the XXXX of XXXX, XXXX at XXXX I sent XXXX Bitcoin ( XXXX ) to Shapeshift 's service in exchange for XXXX Ripple ( XXXX ). The value of XXXX at the time was approximately {$17000.00} which would equate to ~ {$720.00} and the value of XXXX was approximately {$.00} which would equate to ~ {$710.00}. However, this transaction and Shapeshift has now held my funds without allowing any access when I was supposed to immediatley recieve my XXXX  XXXX.

Shapeshift 's support team has now reached at to me and said they will refund my original XXXX in the next coming days. However, my original XXXX amount is worth only ~ {$520.00} and the XXXX I was supposed to recieve is now worth {$2000.00} as of today,XX/XX/XXXXI have demanded to recieve the XXXX but their support team is of no help. They claim that any errors in their transaction will result in an IMMEDIATE and AUTOMATED refund of the original payment method but they have failed to do so. So, they 've now held my money for 15 full days.

Many other have the exact same issues as I 've seen on forms such as XXXX
Consumer complaint received 2017-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NC)

CitiMortgage gave me the run a round on the short sale on my home I had to do because of severe financial distress and job loss. They kept asking for the same paper work over and over acting as if they did n't get it. It caused a foreclosure of almost 7 years ago -- when a short sale would have worked. I have evidence as I used a short sale expert broker named XXXX XXXX and he can attest to the stonewalling and complete run around. <P/>XXXX XXXX XXXX
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TN)

My former employer amended & restated my tax returns & made themselves my conservator. In order to get the golden parachute tax break in XXXX my home was sold without my knowledge. XXXX XXXX XXXX XXXX have been stealing my mail. I never received any of my XXXX-mortgage interest statements. In order to properly file my tax returns. I truly need that information. May I please get those statements mailed to me from XXXX-XXXX. These transactions was made while I was under wage earner. The case number was XXXX. I was discharged from this case in XXXX. I need XXXX XXXX to send me an identity theft packet please.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My former employer amended & restated my tax returns & made themselves my conservator. In order to get the golden parachute tax break in XXXX my home was sold without my knowledge. XXXX XXXX XXXX XXXX have been stealing my mail. I never received any of my XXXX-mortgage interest statements. In order to properly file my tax returns. I truly need that information. May I please get those statements mailed to me from XXXX-XXXX. These transactions was made while I was under wage earner. The case number was XXXX. I was discharged from this case in XXXX. I need XXXX XXXX to send me an identity theft packet please.
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-12
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. (FL)

In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( FIPPs ), 15 USC 1681 and 15 USC 1692 et seq.. 


XXXX  Account # 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 BUSINESS ACCOUNT CAN NOT BE ON PERSONAL CREDIT REPORT AS PER TITLE 15 USC 1681, THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S.C. 1681 section 602 A states tthat I ahve a 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 instrutions. I have NOT given permission or written instruction to furnish an account.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of informantion ; Any other adverse item of information, other thatn records of convictions of crimes which antendates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have contacted the 3 credit bureaus about incorrect inaccurate information reporting on my reports and have gotten no resolution. I have asked several times to provide me with method of verification and I do not receive it. I have disputed Bankruptcy information on my report that they refuse to investigate or remove.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have contacted the 3 credit bureaus about incorrect inaccurate information reporting on my reports and have gotten no resolution. I have asked several times to provide me with method of verification and I do not receive it. I have disputed Bankruptcy information on my report that they refuse to investigate or remove.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

I have 2 public records that I asked to be validated due to the new law that on XX/XX/XXXX all Judgements will come off. I have a Judgement from XX/XX/XXXX and a BK from XX/XX/XXXX. I am trying to get these items off if allowed by law. I have contacted all 3 bureaus and none are being compliant. It is hindering me fron getting my daughter the loans she need for her educational needs.