davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (AR)

I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
Sometimes they do not response at all, sometimes they send letters saying it isnt me and they have not fixed any errors on my credit report. 
I even hired a company to help me and they still ignored all communication. 
I am tired of this I have been trying to rectify these errors for almost a year now. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. This is why I need your help. I was told your agency can assist. If the law is correct, the credit bureaus are reporting incorrect information, not verifying the information is accurate and not completing investigations at all, never the less in 30 days.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

I signed up for Uber credit card (XX/XX/2020 ) under a promotion. The promotion stated that if you spend {$500.00} in 90 days you would receive {$100.00} bonus in Uber Cash. After receiving the bonus it prompted me how to redeem and use the Uber cash. On the XX/XX/2020 I followed the prompts as follows : Transfer your bonus to your Uber Cash Account. Download app and install to your phone. Login into your account in the app and use Uber Cash to order Uber XXXX. I ordered Uber XXXX   and received my food. To my surprise XX/XX/2020 my credit card was billed. My Uber Cash seems to be just virtually sitting out in cyber space as it seems to be just out there untouched. 


I contacted them about this and explained what happened. I talked to 5 different people and none of them could resolve this. I was so frustrated I closed my account.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCE CORPORATION (GA)

I filled out a survey for XXXX  XXXX, where I only entered high level information about my situation. I never entered my social security number or any detailed information and my credit score got hit because it says I applied for a loan with One Main?
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time TransUnion emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
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 is missing that should be on the report
Company: WELLS FARGO & COMPANY (TN)

XX/XX/XXXX My Moms Bankruptcy ended I noticed that Wells Fargo was reporting during the bankruptcy that our Mortgage was 90 -180 Days late every month on on Both Credit reports (. ) in XXXX I received her Discharge and we sent letters to all 3 Bureaus XXXX, XXXX, XXXX XXXX all 3 said they would contact Wells Fargo doing business as American Servicing Company   upon contacting ASC all 3 were told that they were reporting it right and it would stay that way, So I contacted Wells Fargo and explained that it was illegal to report inaccurate information on credit reports and that I would seek legal remedy, Consumer Financial Protection Bureau was contacted sent all 3 credit reports and the complaint letter to 3 credit bureaus in XXXX, XXXX and now XXXX Wells Fargo ( KNOWINGLY Deleted ) our Mortgage on our reports and so we could not show a mortgage history which would keep us from getting a loan from another bank? and would keep our credit score down so we could not qualify for any other loan? I have the documentation from the credit bureaus showing it was there in XX/XX/XXXX and before although it shows them reporting it late 90-180 days again that is illegal, so I filed several complaints and have tried to speak with them and have had them say time and time again that its correct and they are not changing it, Well in XXXX i received notices that they were reporting our information incorrect and they would fix it and they were sorry? I am going to sue Wells Fargo for this as they have lied to a Congressmen 's office that checked into this as I am a Veteran, This has financially ruined us, we have gotten no loans with reasonable APR 's and We have paid more for all Purchases We still have not had fixed and now were forced to sell our property as we couldn't get a loan for the Mortgage that our report doesn't show.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-01-26
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: Phoenix Financial Services LLC (OH)

I was trying to get a loan for my business and realized i had damages on my credit report and acording to the 15 U.S.C 1681b law there should not be any damages on my credit report. It is a defamation of character
Consumer complaint received 2018-11-07
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. (CA)

I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX  says XX/XX/XXXX, Equifax says XX/XX/XXXX XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX says XX/XX/XXXX, Equifax says XX/XX/XXXX and XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Date XXXX/XXXX/XXXX amount {$550.00} i.m I'm disputing to the delinquent on my account in the amount of {$13000.00} that is incorrect ... ... .right Balance {$13000.00} ....
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Contacted FICO/Experian/XXXX  numerous times without a response. My FICO score dropped 100 points in one month with ZERO changes from prior  months. To be clear no new debt no new loans no late payments and no new credit inquiries. 

This is happening across the board with many individuals. This can not continue to happen and will only stop when accountability is put into place. 

BTW ... When did the consumer become so helpless? 

This happened XX/XX/2020.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

To Whom it may concern : I have spent the year trying to fix the inaccurate, incomplete, and unverifiable errors within my account from XXXX. I have called them and told them personal to fix the issue but has not. I have recently send them mails asking to fix the issue. Still no change. The credit bureaus must obey many laws, including the fair credit reporting act ( FCRA ). And according to the FCRA, an item on your report MUST be removed if it is any of the following : I am writing this so XXXX, Equifax, XXXX  can update/correct my personal information on file with their company. 

Please updated my address to : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please updated my name to : XXXX XXXX My only social security number is : XXXX My only and corrects date of birth is : XX/XX/XXXX My only employer is : XXXX  XXXX  I do not wish to have any  telephone number on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA since they are inaccurate. 

Due to this issue of inaccurate information within my account from XXXX  : It has damaged my personal credit score. Accumulated hard inquiries due to inaccurate account info from XXXX. Has provided the wrong name to banks, companies, lenders, when applying for credit.This issue has wasted so much of my time and has effect my business to move forward. Lost time is never found. 

Also while checking my most recent report, i noticed credit inquires that i did not authorized, made by the following companies ; and they were also provided inaccurate, incomplete, and unverifiable information from XXXX when checking my credit.

Company and Inquiry date 1.XXXX/XXXX  & XX/XX/XXXX.

2.XXXX/XXXX  & XX/XX/XXXX 3.XXXX XXXX XXXX & XX/XX/XXXX 4.XXXX XXXX & XX/XX/XXXX 5.XXXX XXXX & XX/XX/XXXX 6.XXXX XXXX & XX/XX/XXXX 7.XXXX  & XX/XX/XXXX I did not authorized anyone employed by the these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 161b and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authoring an inquiry. In the absence of any such documentation bearing my signature, i formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. 

My contact information is as follows : XXXX XXXX email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2023-03-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

this company is violation my consumer right they are abided b ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy law.
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. (NV)

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 compromising of my social security number, and identity theft.
Consumer complaint received 2018-01-22
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)

XXXX - XXXX XXXX ( Acc Number:XXXX ) Experian - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX XXXX - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.
Consumer complaint received 2023-05-11
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 submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) and it was marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items to REMOVE them from my credit report immediately. These accounts are NOT MINE.
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 compromising of my social security number, and identity theft.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am filing a complaint against Equifax for reporting incorrect information on my credit report. I have filed numerous disputes and it is still not resolved. XXXX XXXX XXXX should have been removed off of my credit in XX/XX/XXXX. I have contacted XXXX XXXX XXXX directly numerous times and they have confirmed that the first late payment on this account was XX/XX/XXXX and the first missed payment was XXXX. All other credit reporting agencies have the correct information and have removed this from my credit report except for Equifax. Equifax has been very rude and will not even try to help me resolve this issue. The last time I called XXXX I spoke with XXXX on XX/XX/XXXX, XX/XX/XXXX and she confirmed this information is correct and that Equifax was reporting incorrect information and advised me to contact them. I have all documentation and records of who I spoke with and when from both Equifax and XXXX XXXX XXXX. Equifax did remove this from my credit on XX/XX/XXXX and then added it back. So they had the correct information at first to remove it and now they are reporting incorrect information.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I was alerted of an delinquent account was on my credit report on Experian and saw XXXX XXXX has reported a XXXX bill. I contacted the fraud department and was instructed to file a police report and include the last 4 digits of the account numbers the representative named XXXX gave me. I was told to email the police report and my ID to XXXX I then called them and I was told by a representative XXXX  I was unable to dispute the account at this time and I would be held financial responsible. I asked her well who said that she said she was unable to tell me. She said there was no one else I could speak to her contact.