davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (OH)

Vacation Club Credit by XXXX XXXX Bank has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted XXXX and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-15
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 wrote all three credits agencies to inform them of the inaccurate information. The account number is XXXX the name is XXXX XXXX. This account was last updated on XX/XX/XXXX XXXX. My name is not spelled correct or date of birth.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

XXXX, XXXX I requested Ocwen Loan Servicing , LLC the current status of mortgage loan # XXXX that showed as a delinquent on my credit report when I tried to obtain a Home Equity Line of Credit thru various banks. My applications for such credit were denied in part because of such loan ( XXXX ) shows as pending debt. 
Ocwen responded with a letter dated XXXX/XXXX/XXXX ( see attached ) that this loan was assigned for collection to XXXX XXXX XXXX ( XXXX ) on XXXX, XXXX XXXX. To my surprised I was under the impression that this loan was " Forgiven '' under the proposed modification agreement that I received dated XX/XX/XXXX ( XXXX attached ). 
In a letter dated XX/XX/XXXX. Ocwen requested documents to show my financial hardship at the time, which I provided that to them ( See attached ). 
I would like to know is why Ocwen opted to charge off the loan and not forgive it as an option within the newly created Home Affordable Modification Program as stated under " The Mortgage Forgiveness Debt Relief Act and Debt Cancellation for loans modified between XX/XX/XXXX through XX/XX/XXXX. 

I would like for Ocwen Loan Servicing , LLC to provide me a detailed description on the actions taken on their end that shows the proper practices and regulations were followed and that I was not discriminated and taken advantaged of my little to none knowledge of the complete loan modification that took placed and Its be denied by Ocwen.
Consumer complaint received 2022-08-15
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. (FL)

Complaint Against EQUIFAX and XXXX XXXX XXXX XXXX made false claims ( that they have since retracted ) about XXXX ( XXXX ) late payment dating back to XX/XX/2020. Although XXXX XXXX XXXX fixed the error on their side, and has notified Equifax and XXXX, Equifax and XXXX refuse to correct the false report and is publishing false information about me without my consent. 

It is my understanding that : According to : 15 U.S. Code 1681b - A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

XXXX. I have provided NO WRITTEN CONSENT to Equifax or XXXX or to XXXX XXXX XXXX to provide/publish/display/collect information about me, my credit or financials XXXX. XXXX and XXXX have been informed about the error and continues to provide false information 3. Equifax and XXXX have not performed a reasonable investigation into the matter, which if they had, would quickly determine the report was false, as was realized by XXXX XXXX XXXX. 

Need Equifax and XXXX to remedy this immediately : 1. Remove false late payment information
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OH)

This complaint is regarding a Home Depot Card. The account was used in XX/XX/2018, and I was billed a balance of {$100.00}. The payment was due XX/XX/2018 and was paid in full on XX/XX/XXXX. I just received my new billing statement which closed on XX/XX/XXXX. The purchases total {$110.00} and there is an interest charge of {$2.00}. The card is managed by Citibank. I contacted customer service via an online chat and was told by " XXXX in Idaho '' that even if I pay my bill in full, that I will continue to see interest charges until I have made two consecutive payments of my balance in full. She states the interest is compounded daily. I pay my bill online and there is an option for payment that reads : " Amount to avoid interest on next statement '', and that is the amount I paid.
Consumer complaint received 2022-04-26
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. (FL)

Equifax and XXXX have improperly re-aged an account on my credit report to XX/XX/XXXX, have continued to report it past 7 years since Date of First Delinquincy, and I have suffered damages in my attempt to get a mortgage after inaccurate reporting reduce my credit score. 

A closed and paid derogatory XXXX account ending in XXXX was disputed by me in XX/XX/XXXX as too old since Date of First Delinquincy and XXXX alleged the information was accurate and still reportable. In the attachment you can see that the payment history for XXXX is vacant and unreported even though XXXX claims the date of first delinquency was XX/XX/XXXX. The actual date of first delinquency was in XXXX of XXXX. 

Instead of leaving the line as it was, Equifax and XXXX alleged the line was validated and then re-aged the line as new delinquency at the end of the dispute ( see attached new reporting date ), which resulted in a XXXX point drop in my Fico Score XXXX ( see attached score alert ). 

The decrease to my Fico XXXX score ( which happened solely due to the re-aging of the XXXX line after the dispute ) resulted in higher interest rates for a mortgage loan I applied for, another score drop for an inquiry, and a resulting higher loan payment for the new loan I applied for. I, therefore, suffered damages for which I am consulting legal advice. 

I am requesting that Equifax and XXXX delete the line which is now 7 years past Date of First Delinquency and is being reported in violation of the FCRA limitation on derogatory reporting, or alternatively restore the prior version of the report by XXXX which existed prior to XX/XX/XXXX, with complete and accurate payment history since the loan was established in XXXX. 

I have again disputed these two matters directly with Equifax Dispute Center, confirmation number XXXX, and I expect Equifax and XXXX to now take the time to review my dispute by looking at the payment history and reviewing the accuracy of this line on my report, instead of just copying and pasting the claim of valid reporting by XXXX. 

I am hoping the CFPB process can resolve this issue.
Consumer complaint received 2022-10-28
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. (PA)

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OR)

My identity was stolen. And Direct Express has let people take my card. They call and pretend they are me and change address, phone number and email, I check and see the replacement fee and expedited fee and call immediately, then I get charged the same. Its happened over 10 times and I have requested numerous times for the fees to be reversed because they allowed it to happen. I want stolen money back to. I only receive SSI
Consumer complaint received 2022-10-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-26
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. (PA)

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these changes. I demand that the items be deleted as soon as possible, to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

I have asked several times for the fraud alert to be removed from my XXXX, XXXX, and Equifax credit reports. These companies placed fraud alerts and personal statementsnon my credit reports with out my permission. I NEVER ASKED THESE COMPANIES TO PLACE FRAUD ALERTS ON My CREDIT REPORTS. Please remove ALL FRAUD ALERTS from XXXX, EQUIFAX and XXXX. I also need to make sure my address is current. The only address and contact infomration that should be on my credit report are below. I have 2 phone numbers. REMOVE ALL PERSONAL STATEMENTS FROM MY XXXX, EQUIFAX and XXXX reports. THE ONLY ADDRESS AND PHONE NUMBERS I HAVE ARE BELOW. I have asked so many times over and over and over for this to be updated. Its getting really fustrating. 

XXXX XXXX XXXX XXXX, XXXX  XXXX, OK, XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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. (FL)

After careful reviewing my credit report, i noticed accounts which are not mine. 
I have never applied for these creditors, i don't have any contracts where is my signature on with these companies. 
I believe, that someone stole my personal information, i applied for police report.
Consumer complaint received 2022-04-26
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. (PA)

Hi my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items listed be deleted as soon as possible, and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-04-26
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)

The following accounts have properly disputed multiple times with XXXX, Equifax, and XXXX because they are not my accounts.There is now way these erroneous accounts were actually " verified ''. I have now filed an identity theft report with FTC in regards to identity theft ( attached ). My information has clearly been compromised and possibly merged with another person 's file. 

Also, in accordance to the FCRA, the following accounts are in direct violation of my consumer rights : XXXX XXXXr - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Reference # XXXX XXXX XXXX  - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX All accounts listed above are in violation of the following consumer laws : 15 U.S.C 1681 section 602 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b section 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to it relates.

15 U.S.C 1681c section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have attached FTC report and XXXX report.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I have an open dispute with Synchrony Bank ( complaint ID # XXXX ) due to {$290.00} XXXX XXXX XXXX I cancelled from XXXX XXXX  and still awaiting the outcome and update of the dispute. I have not used my card since I was in the XXXX XXXX XXXX on XX/XX/2022. I have not authorized any purchases since then. Now on XX/XX/2022, my card was charged {$2300.00}. I let Synchrony Bank now that this charged amount is fraud. I have not used this card for anything since my last purchase in XXXX XXXX. This is fraud.
Consumer complaint received 2022-10-28
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. (MI)

Equifax is showing a child support case negatively reporting on my credit report. They never provided proof that the children in reference to this account. They never showed proof of DNA or how this alleged debt is even my debt. I have disputed the account with the following company sending certified mail. they failed to send me any proof of how they can determine that this debt is mines. I am demanding it be removed immediately in direct violation.