davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (OH)

We moved to an address not covered by XXXX and was told we would not be penalized. I received a zero balance final bill from XXXX then I get a collection agency Jefferson Capital System and they can not provide proof of this debt. XXXX has no idea about it and says I do not owe them money. They call me constantly and have even called my work where I am on contract.
Consumer complaint received 2020-07-27
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. (TX)

XXXX XXXX STILL HAS A LOAN SHOWING THAT WAS PAID OFF. 

{$42000.00} Reported balance Highest balance {$44000.00} You've paid off 4 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$44000.00} Monthly payment {$0.00} Opened XX/XX/2019 ( 7 mos ) Term 63 months ( 5 years )
Consumer complaint received 2022-02-17
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: MARINER FINANCE, LLC (CA)

Since approximately of XXXX of XXXX I noticed a fraudulent loan on my credit report. I reached out to mariner finance on various occasions and explained that I was a victim of identity theft and the account that was opened with them was fraudulent. I was told that it would get removed for they had realized that it in fact not me that opened this account. Nothing has been done about it. There were also hard inquiries by this company that were also supposed to be removed and it has not happened.
Consumer complaint received 2022-02-17
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. (LA)

XXXX, equifax, and XXXX refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, 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
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MD)

My contact was put into forbearance from XX/XX/XXXX to XX/XX/XXXX. After this my account was put on a payment to paid back all the money at one time. I was told that there would be a payment paid but that wasn't true. So that my account could be into a loan modification I was told not to pay payments for 3 months. When I was approved for the loan mod I my wife was taken out of work due to illness. I was also late XXXX, XXXX and XXXX of XXXX due to the lost of one income and addiction to the family. I had received another job to supply for my family and keep on time with all of our bills but in XXXX and XXXX I was laid off of work. XXXX of XXXX I was able to land a job in my career were now I am able to supply for my family and as can be seen I haven't missed a payment since then. I am hopefully that due to hard times I would be able to get these late payments removed from my credit.
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (PA)

On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency EOS CCA and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to XXXX  XXXX  who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.
Consumer complaint received 2024-05-31
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)

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 I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2021-05-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

these bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA
Consumer complaint received 2020-07-27
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2022-08-26
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (FL)

I am writing this to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies 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 These inquiries were made without my authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C 1681 SECTION 604 of the FAIR CREDIT REPORTING ACT
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-17
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. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

XX/XX/2022 - I was notified by XXXX XXXX that a hard inquiry had been issued against my Equifax credit report from XXXX XXXXt - I did not authorize this inquiry and at this moment believed I was a victim of identity theft. 
XX/XX/2022 - Disputed the hard inquiry with Equifax via the online portal as well as placed fraud alerts on the other two reporting agencies. 
XX/XX/2022 - Received notification via email that Equifax had made a determination that the inquiry was " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY '' XX/XX/2022 - Called Equifax to request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. 
XX/XX/2022 - Equifax told me that 1 ) They would not furnish this information, but would provide a copy of the credit file, the credit file does not tell me the steps they took to resolve the dispute, I had already received the credit file via email with the notification of the resolution of the dispute. 
2 ) I could not dispute Hard Inquiries XX/XX/2022 - I asked Equifax several times if the call was being recorded, it is my belief that I am a victim of identity theft and I did not authorize this inquiry and that if something is going to be placed on my credit report that impacts my credit worthiness I am legally allowed to dispute that and that the response to the dispute say I can request the steps taken to come to the determination. The Equifax supervisor ( XXXX ) insisted that hard inquiries could not be disputed. 
XX/XX/2022 - Sent a formal dispute to XXXX XXXX, including a copy of my credit file, requesting they prove the validity of the claim, including date and location of credit request and if completed electronically the I.P address and physical location of the IP address, again insisting that I have been a victim of identity theft. 


It should be noted that Equifax was notified of the un-authorized transaction the same day I was notified XX/XX/2022, however it only took them 3 business days to complete their investigation and they advised me it would take 7-10 days to send me another copy of my credit file. I'm not sure how they could possibly conduct a thorough investigation when the reporting agency did not report a phone number and all there correspondence would have had to be via mail. Equifax was able to send their requests and receive them back in 3 days, however as a consumer who has had their identity stolen with an inquiry that is impacting there credit score they best they can do is 7-10. days.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2022, I bought a car at XXXX and 9 inquires were made to different creditors for approval. I told the financial person at the dealership not to try more than about three attempts to finance the car as it would hurt my credit and that I already had one pre-approval. I didnt find out how many hard inquires from her attempt to get me the best deal from other creditors were on my Transunion report until I checked about a month later and found 9 total hard inquires concerning my car purchase. I contacted Transunion about the matter about three weeks ago and they just sent me a short letter to me that didnt help. I waited from XXXX to now XX/XX/2022 to address this situation with transunion because of more personal matters to attend to first. So I am asking transunion to remove some of those hard inquires as I believe it is not fair to the consumer when purchasing any financial product especially a big ticket item such as a house or automobile. Hard inquires to me should not be on a credit report for 2 years, I believe it should be no longer by law than 6 months.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I accessed my credit report from Experian in XXXX of 2018. I noticed there were MANY instances of my name that I have never used, but were listed on my credit report. I wanted to open a dispute regarding this incorrect information, but was prevented from doing so in an expedited manner, as Experian does not allow online disputes for this type of information, despite the fact they are solely responsible for the incorrect reporting. 

I am currently attempting to purchase a car. Credit scores have direct financial impact on the APR I will pay for a new car loan. Having MANY versions of my name that are incorrect likely have an impact on my credit report. Despite these circumstances, Experian says the ONLY methods by which I can dispute their incorrect information is via XXXX Mail or telephone. I am XXXX and do not use voice telephones. Despite this, Experian refuses to make any other method available to dispute this incorrect information. 

Experian is also reporting MANY unauthorized credit checks on my account ( one company making 5 inquiries in the space of a couple of months ) for which they refuse any type of dispute process. 

In addition, Experian claims to not have an XXXX coordinator for XXXX individuals, and further refuses to provide information for anyone on their legal team, making it impossible to escalate this issue. 

Providing XXXX Mail as the only option for XXXX customers is discriminatory, as able customers can get their dispute investigated immediately, whereas for XXXX Mail disputes, there is an inherent slowness that causes delay, putting the XXXX customer at a significant disadvantage in attempting to make major purchases.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

We spoke with Chase when they closed the account. My husband has been a very long time loyal customer to Chase. He always made on-time payments. We were shocked they closed the account. We fought with them about this matter and explained the impact he had with no over time at his work anymore wish was a financial burden but also for health reason he had to take a lower paying hourly job as well. We also were hit with the Pandemic. We have tried to work with Chase in regards to closing the account but couldn't get anywhere. We have tried to work with them on payment arrangements but they won't speak to my wife on my behalf to set them up. We also feel that since they took away our credit privilege 's ( closed account ) without notice or for no reason we have chosen to not make payments until this issue is resolved. For someone who has been a valued customer without any issues to the account until the last few years this is wrong. There is no reason to treat a valued customer like this. We have also written a letter to have a file with them for my wife to speak on my behave to find that there is no letter and they will not allow collections to speak with her. We have also called them to be hung up on and to listen to the rep hold the phone without saying anything while caring for children.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I applied for a home equity loan and was denied. Reasons, serious delinquency, excessive amounts past due on accounts, time since delinquency is to recent or unknown. Further investigation revealed that Citibank had made errors and never closed an account that I was burglarized on. They ran up the fees and closed the account for non payment unbeknownst to me. They gave me a letter stating such mistakes. They will not give me a refinance loan due to there errors. Im stuck paying a high interest mortgage. They claim that I have to fix the errors with the credit bureaus. They caused financial stress and turmoils due to there inaccuracies and failures to remedy it. Furthermore, there banking app has flaws which I brought to there attention. It does not report all scheduled payments. I feel so helpless fighting a big bank. Ive spent 30-40 hours being redirected to a department who cant help me. Im at such a loss how an institution can get away with this. Ive been a customer for 23 years and have had my mortgage with them for 16. I apologize for not keeping a lot of money so I can receive better service, but I figure most cant. I have less then 10 % debt to income ratio, an excellent credit score until I paid off most of my credit cards and my score dropped. Im on a XXXX income from the fdny. They also denied me stating I dont keep a high enough balance. They also state that I have excessive obligations in regards to my income. My financial obligations only account for 25 % of my income. They are also stating that my recent credit score which dropped to XXXX was to low for them. This has to be illegal or some type of financial biast for many different reasons. I doubt a lawyer would represent me because Citibank will just prolong the case. It would not be financially feasible for an attorney to handle it. 
They are also technically financially responsible for any interest rates that I was given because of there inaccuracies. There has to be accountability. I pay my bills on time and work very hard being financially responsible in XXXX. They are burdening my financial load especially through these tough financial times due to the pandemic.