davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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: EQUIFAX, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-07-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (TX)

I was contacted by this company concerning a refinance loan I was told that I had excellent credit and was approved for a manufactured home loan This started towards the end of XXXX or begging of XXXX My credit was checked and I was told that everything looked very good and told that I was approved We exchanged alot of information and was told all ok After months I was asked to get my property appraised at my cost which was XXXX dollars I got it done and it was appraised higher than loan do XXXX XXXX told me everything was great XXXX  XXXX is the loan consultant Then everything went silent I called XXXX and he told me that they could not complete the loan due to them not being able to get the other Financial company to release the title I feel that they should reimburse the XXXX dollars back to me
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX / XXXX Unauthorized use of my credit. Violation of U.S.C. 1681b. Which, Prohibits a person from using or obtaining a consumer report, " unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished by the consumer. My name is not and never was XXXX which is associated with this fraudulent account. I never lived at the address XXXX XXXX XXXX XXXX XXXX, VA which is associated with a fraudulent account. The account obtained and the information published on my report regarding this information including everything relating to this account is an act of Identity theft. This is a NOTICE of Identity theft! Reporting information that involves identity theft is a violation of the FCRA. Knowingly reporting after notice is also a violation.
Consumer complaint received 2023-05-12
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. (NV)

I'm filing my complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. 
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 2020-07-01
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 including a bankruptcies. 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. XXXX XXXX XXXX XXXX {$2600.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive been in communications with ( TransUnion, XXXX, or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. Law 15 U.S. Code 1681 ( b ) clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX, or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This is clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : 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  You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 


Thank You XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX report XXXX HAVE VIOLATED MY RIGHTS UNDER : XXXX XXXX XXXX SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT PAYMENT ON A LOAN ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the XXXX of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-05-11
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)

In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 states a consumer reporting agency can not furning an account without my written instruction.
Consumer complaint received 2023-05-11
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. (VA)

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 2020-07-01
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 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 including a bankruptcies. 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. XXXX XXXX XXXX  XXXX {$2600.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (IL)

I have attempted several times to remove a chapter XXXX bankruptcy from XXXX  and Experian. Now they call the dispute frivolous. XXXX has already removed it. Under the FCR a chapter XXXX bankruptcy can stay on your report for UP TO 10 years however, there is no law stating is has to stay on ypur repprt for 10 years. My bankruptcy has been on my report for over 9 years. Filed XX/XX/2010. It is causing undue hardship as I try to navigate around it after nearly 10 years. I have filed multiple disputes to no avail. I am not getting the letters that these agencies promised to send out once they have completed their reviews. They are using XXXX XXXX to verify a bankruptcy when they should be using the courts. Please remove as no law abounds me to have this on my record 10 years.
Consumer complaint received 2024-02-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Processing Services, LLC (CO)

I got a random call about a pay day loan they claim I took out. I dont know of any such debt and have requested additional information. Everytime I call they are rude they dont let me speak they threaten with garnishment and lawsuit 's they will file garnishment and then hang up and give me no resolution!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (AL)

On XX/XX/XXXX Barclays Bank Delaware shows up on my Credit Report with XXXX as 30 days past due, then on XX/XX/XXXX, it shows 60 days past due, then on XX/XX/XXXX l, it shows 90 days past due. I have never banked with Barclays Bank Deleware. This is on my credit report and must be fraudulent use. I have recently experienced identity theft which inspired me to freeze all lines of credit and to dig deeper into my report history. This is what prompted such a deep search that revealed this fraud.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Today XX/XX/2023 I got an alert that my credit score dropped XXXX points due to Equifax illegally and incorrectly reporting information to my credit report. My report states that my accounts are included in bankruptcy and they are NOT! My student loans have been current for YEARS!!!!!!! I contacted XXXX who states they reported my account current! and that this is Equifax 's fault. I will be reaching out to my bankruptcy attorney as well to let them know of this illegal activity!
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Associates, Inc. (FL)

Weber & Associates has sent a second collection notice dated XX/XX/XXXX for a medical bill that was paid on XX/XX/XXXX. An e-mail was sent on XX/XX/XXXX after the first notice stating the  medical bill had been paid. They have ignored that e-mail.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (GA)

My bank has informed me that there is negative information reported by TD Bank included in the file XXXX  maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing a " ACCOUNT ABUSE '' in XX/XX/2018. 
I do not recall having an account from this bank in 2018. 
Please validate this information with TD Bank and provide me with copies of any documentation associated with this " checking account '' bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (IL)

On XXXX XXXX XXXX I applied for a PNC business credit card in response to a mailed solicitation. My application was denied on vague, unspecified grounds, with a PNC representative claiming there was derogatory credit information from XXXX without elaboration. This violates Equal Credit Opportunity Act ( ECOA ) requirements in 12 CFR 1002.6 ( b ) ( 1 ) mandating creditors clearly detail reasons for adverse action on a credit application. 
I promptly rescinded the credit agreement and security interest tied to the application since PNC could not justify the denial. However, PNC then refused to open a reasonable investigation into issues raised about violations of the Securities Act of XXXX and other consumer protection laws related to the credit solicitation. PNC failed to provide a written report on an internal investigation as formally requested. 
Specifically, I allege PNC violated the following in relation to the credit solicitation and application : 1. Sections 5 and 12 ( a ) ( 1 ) of the Securities Act of XXXX  regarding sale of an unregistered security 2. Sections 17 ( a ) ( 2 ) - ( 3 ) of the Securities Act of XXXX regarding obtaining money through false statements 3. ECOA provisions in 12 CFR 202 requiring specific reasons for credit denial 4. Unfair, deceptive practices under the Federal Trade Commission Act I formally demanded PNC implement improved policies and procedures to ensure legal compliance. However, PNC refused substantive discussion of these issues when raised. Continued disregard for consumer rights necessitates external intervention through action by the CFPB. I look forward to your contacting PNC Bank to open a formal investigation into the above issues.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Account number XXXX XXXX XXXX has reported me late 5 times. Witch I dusputed the late payments on my XXXX report. Now on my equfax report it says I was late 2 times and they not the same months as XXXX report also XXXX XXXX is reporting different months also
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

The secured card that I have from XXXXXXXX XXXX has stopped reporting my updated payment information for the month of XXXX to all 3 credit bureaus. I've provided documents showing statements of on time payments, and lack of updated information.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Time and time again I have been ignored by the bureaus and I can no longer wait while they continue to fail at their job. The information hat they are reporting is incorrect and false information and I need them to remove the items listed at once. It is my right under federal law to enforce this action.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I.C. SYSTEM, INC put a derogatory mark on my XXXX  credit file. I called them on XX/XX/XXXX the day it posted on XXXX  and they told me I owed XXXX {$190.00} from 2016. I knew I did not because I have 2 accounts with XXXX  from before 2016. XX/XX/XXXX they put a second derogatory mark on my XXXX  credit file for the same {$190.00} for XXXX. XX/XX/XXXX, I called XXXX to verify that I did not owe them anything and they told me that I do not owe them..that my previous accounts with them show a XXXX balance and if I had an account that went into collections it would show on their end that it was written off. 
This collection agency is using excessive tactics to post 2 negative reports on XXXX  for the same {$190.00}. that I do not owe. I asked them for proof that it was my account and they said they could not give me that information.
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ALLY FINANCIAL INC. (GA)

i was gon na buy a car from XXXX XXXX XXXX, i signed the sales agrement, ,but after that, dealership 's owner said that the car had mechaniacal issues and asked me that if i want to have it repaired under the warranty... i said no i i wan na return the car and cancel the sales... 
Dealership did not inform the Bank .and bank still sending me payment bills,, My credit score went XXXX points down...
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (GA)

I received a letter in the mail from Carter - Young, a collection agency, about a debt that I DO NOT owe. I called them to dispute the debt and was told unless I can prove I do not owe this debt, I have to pay the charges. I then wrote them again explaining I DO NOT owe this debt and requested a copy of my drivers license, my signature as proof i ordered this service or anything they have to prove this is actually my debt. I have received none of this proof, only a response that I have to prove it is not mine or pay the bill. I have called the original creditor, XXXX, multiple times, waited on hold, spend a total of 1.5 to 2 hours on each call only to be told they have to investigate this and someone will get back in touch with me. No one ever gets back in touch with me. This has now been reported to my credit bureau file and all attempts to have this debt investigated have fallen on deaf ears. I DO NOT OWE THIS!!!!!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to request an update on the personal information on my credit report. Upon reviewing my credit report, I have noticed that certain information is outdated or inaccurate. I would appreciate your assistance in correcting the following details : Under the FCRA, consumers can dispute inaccurate or incomplete information on their credit reports with the credit reporting agencies ( Equifax, XXXX, and XXXX ). The agencies are then required to investigate the disputed items and remove or correct any inaccuracies within a reasonable amount of time, typically within 30 days.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Consumer complaint received 2020-07-01
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. (AR)

I sent multiple credit disputes with these companies asking the to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.