davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

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. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XX/XX/2023
Consumer complaint received 2024-03-25
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-05
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. (ID)

The credit reporting agencies keep adding that my account with XXXX is in XXXX  XXXX bankruptcy and it is not. I have not filed XXXX  XXXX bankruptcy and would not have included any student loans. 

The student loan account was paid in full PRIOR to any bankruptcy filed and noted on my credit report for other creditors listed in my case.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i was the victim of identity theft. i got an alert from experian that someone used my ssn to open up a bank account with a bank. regional finance and national finance companies ran my credit without my authorization. for all i know there could be new accounts with them on my credit reports
Consumer complaint received 2023-05-19
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. (NC)

i was the victim of identity theft. i got an alert from experian that someone used my ssn to open up a bank account with a bank. regional finance and national finance companies ran my credit without my authorization. for all i know there could be new accounts with them on my credit reports
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of Child support-XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-05
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. (NY)

I have disputed these accounts so many times and I do not understand how the consumer reporting agencies continue to violate the FCRA by reporting inaccurate information. 
Equifax and XXXX are both reporting the XXXX XXXX account # XXXX. Equifax is reporting a high credit of {$0.00} and this is absolutely wrong. Equifax is also missing the account type detail and according to the FCRA I have the right to a complete consumer report and this is a violation of that. Equifax and XXXX are also reporting a different date last active and date of last payment. Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is inaccurate. The date of last payment Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both are wrong. Now the consumer reporting agencies claimed that this information was verified by the creditor. But why would the creditor give each consumer reporting agency different information. They are using Eoscar to verify this information and clearly Eoscar isnt a reliable source. I have given the consumer reporting agencies enough time to fix their mistakes but they ignored me so I am demanding this account be deleted asap. 
Equifax and XXXX are both reporting the XXXX XXXX account # XXXX. Equifax has never updated this account to reflect that it was disputed by the consumer and this is a violation of the FCRA since I have disputed this account several times already. This alone is grounds for deletion. The high credit is reporting {$450.00} with Equifax and this is inaccurate. XXXX is reporting an account detail lease and Equifax is reporting auto loan and this is inaccurate. According to the FCRA, everything reporting on the consumer report must be 100 % accurate and this account is not. XXXX is reporting a date last active as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX and they are wrong. The date of last payment with XXXX is reporting as XX/XX/XXXX while Equifax is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous violations of the FCRA. 

XXXX is reporting on XXXX and Equifax and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. 

XXXX is reporting on XXXX and Equifax and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. Equifax is also reporting credit limit of {$0.00} and this is wrong.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 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 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 2023-05-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. Auto Sales Inc. (GA)

US AUTO FINANCE INC has reported negative inaccurate information to multiple parties. I have notified them numerous times of their fraudulent abusive practices. I received a document from the IRS stating based off the information you provided that I understated my income and now I owe a debt with interest consistently accruing. I have been disputing the validity of this alleged account or years and they have never provided me proper documentation.
Consumer complaint received 2023-05-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OR)

My credit limit was reduced due to credit report. 
I verified my credit report. No issues were found. Perfect credit. Citicard did this on my two cards, one of which is XXXX. They reduced my limit to my current balance which SEVERLY affecting my credit score.
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 2024-03-25
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Experian, XXXX, and XXXX continues to report inaccurate information on my credit report for the account listed listed below. 

XXXX XXXX XXXX  : Account number XXXX. 

I do not recognize nor understand the form of reporting of this account. This account has historically and continues to report inaccurate and inconsistent information to all 3 bureaus.

1. The company is fraudulently reporting last payment date of XXXX XXXX. Last payment was XX/XX/XXXX. 

2. The company has reported inconsistent payment statuses across all three bureaus.

3. The company has reported payments while the account is in charge off status. Last payment on XXXX shows as XXXX XXXX with a close date of XX/XX/XXXX. The company also shows " Times 30/60/90 days late 0/0/0 ''. On Experian, the account was charged on XX/XX/XXXX. On XXXX, there is payment history. The account has been closed, reopened, and placed in 30,60, and 90 late statuses.

4. The company is reporting the account on my family 's credit report.

5. The company is reporting payment history to XXXX for the year XXXX, while also showing CO status on Experian during the same time. The balance also continues to fluctuate. 
1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX30 days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} I demand the account be removed from credit report immediately. I do not authorize the reporting of this tradeline. It has damaged my credit report since XXXX with its erroneous reporting. XXXX, XXXX, and Experian have failed me as a consumer, and has not operated in good faith and according to FCR and FTC rules and regulations regarding accurate reporting of information. I have been disputing the accuracy of the reporting of this account for years, and the credit bureau does nothing to ensure accurate reporting. Instead accusing my disputes as being frivolous to avoid investigation.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (MA)

Last month, I attempted to open a XXXX XXXX XXXX account through XXXX XXXX. XXXX rejected my credit application and sent me a letter claiming that they were unable to approve it because my SageStream credit report was locked. 

I keep very careful records of all credit reporting agencies that I have locked or frozen. I had never heard of SageStream before receiving the rejection letter from XXXX, and I have no idea why or how my SageStream credit report was locked. 

On XX/XX/XXXX, I sent SageStream a request through their web site to send me a PIN through the mail so that I could unlock my credit report and apply for XXXX XXXX XXXX again. Their web site claimed that I would receive the PIN in the mail within seven days. 

It is now fifteen days later and I still have not received it. 

I just tried calling SageStream through their published phone number, XXXX, and it's just an automated system, none of whose options are applicable to this problem, and there is literally no option to speak to a human being. 

There appears to be no way for me to unlock my SageStream credit report which, again, I have no record of ever having locked and no way for me to reach a human being at SageStream to get this issue resolved. 

All this is unacceptable. How did my credit report get locked without my ever knowing about it? Who is SageStream? Why didn't their process for fixing this problem work? Why is there no way to reach a human being to get help?
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC (CA)

XX/XX/XXXX loan modification was not an affordable resolution for mortgagor ( XXXX XXXX XXXX ) whom passed away XX/XX/XXXX. I XXXX XXXX successor person of interest became aware of such modification, son in-law of mortgagor. Their is no Legal Law how many times loan can be modify to an affordable modification. Fay Servicing , LLC offered in XXXX the possibility this loan could be modify ; change of terms, lower interest, extend terms, defer unpaid principal balance to the end of loan. Unfortunate Fay Servicing and their Investor XXXX XXXX XXXX XXXX ( Investor of Loan ) deceitful, misrepresentation, unfair business practice, patterns of Mortgage Fraud, force me into Bankruptcy XXXX with the risk of foreclosure. Since the disaster of XXXX & its Variants XXXX up to current date, Fay Servicing and XXXX continue with the Loss Mitigation frivolous up to current dates, with multiple complete applications, multiple denials, violations with all Federal and State Law. Hundreds of thousands of my hard earn income have not been applied directly to the mortgage payments, XXXX XXXX Attorney fees, foreclosure fees, late fees, hidden fees, excessive fees is most of the mortgage payment applied to, cost me an Financial Hardship and the above mentioned disasters.
Consumer complaint received 2023-01-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ProCollect, Inc. (CO)

Try to apply for housing got denied for an outstanding bill that I owed say stating that I did not clean the apartment that I left holes in the walls and holes in the doors which I did not even had friends come over and help me clean the house. It is not showing up on my credit report even though it is in collections nor have I had any prior notice of owing this amount or have they tried to contact me send me mail after I forwarded my mail many many times to different addresses that I've had
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I'm writing you acording my captal one bank card that was opened on XXXX XX/XX/2019. I was never notified about that account. Some one used my personal information for opening credit lines by my name. I filed police report number XXXX on XXXX could not contact cfpb because I did not know about its existence and that they can help me here.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to dispute the inaccurate reporting of my XXXX loans by the Department of education/XXXX XXXX The information they have reported to consumer reporting agencies does not accurately reflect my financial obligations and is in violation of my consumer rights.

Despite my requests and the provisions outlined in federal consumer protection laws, the Department of education/XXXX has failed to provide validation of the debt and has not provided an official instrument of indebtedness between myself and the XXXX. 

Specifically, The Department of educationXXXX has reported items on my credit report that are not accurate and have not been properly validated. These inaccuracies are causing harm to my credit score and financial standing.

Furthermore, I request that the department of education/XXXX provide an official instrument of indebtedness between myself and the XXXX for these loans. If they are unable to provide such documentation, I demand that these loans be deleted from my credit report immediately. 

I respectfully request that the Consumer Financial Protection Bureau investigate the actions of the department of educationXXXX and take appropriate measures to address these violations of federal consumer protection laws. I also request that the department of education/XXXX be held accountable for their actions and be required to provide accurate reporting and validation of the debt as mandated by law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX