davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I have had a delinquent status on my credit report for almost seven years and have heard that these types of things will be removed after a specific amount of time. I was wondering if I can have it removed off of my report. The delinquency is related to an apartment I had shared with someone who I am no longer in contact with and am unable to receive money from, not to mention the amount owed was doubled from what it originally should have been and I am unable to afford the ridiculous amount owed to it and they will not work with me on what I can afford. I have been declined for things through out the past 6 years because of this delinquency ( also the original owners of the apartment complex are not even the owners anymore ). I have been trying to rebuild my credit history but am unable to raise my score based on this XXXX delinquency, please help me in removing it.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-07-07
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. (TN)

XXXX is listed on my account as a collection. I have no idea what this account is and need some validation. I have contacted this company several times via mail about this account. This account is incorrect and should not be listed.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I would like to dispute the following accounts, simply cause they are not mines, I did not cause them, no do I have any knowledge of these frivolous accounts reporting on my credit report. I'm asking that the 3 major credit reporting agencies remove the following unauthorized accounts. 

[ 1 ] XXXX XXXX {$600.00} [ 2 ] XXXX  XXXX {$470.00} [ 3 ] XXXX {$400.00} [ 4 ] XXXX XXXX XXXX XXXX {$4500.00} [ 5 ] XXXX XXXX XXXX XXXX {$3500.00} [ 6 ] XXXX XXXX  XXXX XXXX {$2200.00} [ 7 ] XXXX XXXX XXXX  XXXX {$2100.00} [ 8 ] XXXX XXXX XXXX XXXX {$2000.00} [ 9 ] XXXX XXXX XXXX {$1700.00} [ 10 ] XXXX XXXX XXXX {$1700.00} [ 11 ] XXXX XXXX XXXX {$1300.00} [ 12 ] XXXX XXXX XXXX   {$1000.00} [ 13 ] XXXX XXXX XXXX {$100.00} ]
Consumer complaint received 2024-03-11
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. (CA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, 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 XXXX  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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2023, and on XX/XX/2023 I attempted to correct my personal information on my credit report. With my address & name, due to incorrect spellings of my name and addresses I do not live at and that do not belong to me. I have tried to get this fixed multiple times but I had no luck with the bureaus
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

Since being contacted by I.Q. Data International, I have repeatedly asked for a breakdown of how they got to the amount in which they claim I owe. When I get a representative that agrees to look into why the amounts are n't adding up, as soon as they realize there is something wrong with their math they forward me to a manager who then yells at me and becomes completely uncooperative. I 've attempted to contact the original creditor and no one returns my calls. And the credit bureaus are only checking that the collection agency has my name and contact information correct, NOT the details for how they are calculating what is stated I owe. The original creditor and the collection agency are both on my credit reports and neither are willing to give me the information I have a right to in order to take responsibility for a debt I may owe. Most recently I received a letter from someone named XXXX that stated they needed proof of identity fraud from me since I was stating that my identity had been stolen. I have made NO SUCH claim to them and I feel like since they knew that they had exceeded the response time to my last account verification request they were trying to buy themselves more time to collect information. I 've written them a letter responding to their request for identity fraud verification and reiterated that I am requesting itemization of what they state I owe and how they, on behalf of their client, came to that amount. I also informed them that I would be forwarding my letter to them to the CFPB and submitting a complaint. And that is what I am doing now. At this point I.Q. Data has exceeded the response time on all of my requests for this information and I want the negative entries removed from my credit reports since they can not show proof. I need help.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I have a HAMP Loan with SPS. Servicing Inc. I have made all payment on Time. When the Pandemic hit, I requested a forbearance after paying XX/XX/XXXX Mortgage payment I was informed that SPS would put XXXX, XXXX And XXXX payment on the back end of the loan. In XXXX I contacted SPS And informed them that I was still experience financial difficulties due The Pandemic. SPS had fill out and new application and requested me XXXX statement along with my son bank statement who has been Paying the Mortgage. We did not get reply until XXXX where SPS Requested us to make payments of {$790.00} for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with a balloon payment due XX/XX/XXXX Of {$16000.00} that would bring the account current. We notified SPS XXXX XX/XX/XXXX that we were still experiencing financial difficulties and Were unable to make the {$16000.00} payment. SPS sent me a new application For additional forbearance. SPS replied that they would be able to grants us And additional forbearance, or modification and has set a repayment schedule that is unreasonable and beyond our ability to pay due to the pandemic at this time. 

Enclosed I have attached a copy of the letter rejecting and additional forbearance Along with the re-payment schedule. 

Should you have any questions please contact me at XXXX
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing to you about a classic case of " bait and switch ''. 

I am an American Express Centurion ( black card ) member and for this privilege I pay an annual fee of {$5000.00} - the fee is just for the card. I have been an American Express " member '' since 1983. As part of the promotion to induce me to buy this card, American Express guarantees a certain standard of service. American Express is currently not providing that level of service - but is also NOT providing a partial refund of that fee. American Express sent me 3 letters concerning disputes. None of the letters describe the disputes - they have only a dispute number on them ( see attached ), which requires me to call them to understand the letters. When I called today I was on hold for 25 minutes and finally spoke to a supervisor. The supervisor told me she could not tell to which disputes the letters referred and she could not help me. She told me to call back on Monday. Disputes are governed by strict timeframes. If those timeframes are affected by an inability to contact the card company, then the dispute process is compromised. One of the reasons I was allured to this card is that it allows me to interact with American Express at weekends - I work on Mondays. I understand if, in the current environment, American Express can not fulfill its service promises. But in that case it has an obligation to reduce the fee that is paid for that service
Consumer complaint received 2024-03-11
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. (PA)

XXXX XXXX XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$18000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (FL)

I have been trying to request my credit report in different credit monitors such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.
Consumer complaint received 2020-07-07
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)

I have sent multiple letters and complained to the CFPB once prior, this is my second attempt w/ CFPB and I have sent 4 dispute letters to the bureaus in regards to accounts that are not mine. The bureaus have provided ZERO evidence showing that the accounts were opened up by me. These are not my accounts and I am tired of this nonsense. These accounts have not come off my report .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also inquiries on my credit report that are not mine, you will see in the attatched documents all the legal information and documentation that has been sent to XXXX, Experian, and XXXX. I am hoping that this doesnt become a legal matter. I have a legal team ready to protect my rights as a consumer and if this doesnt get resolved quick I will have to become litigious.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Reached out to the CRA 's with a letter stating what consumer rights have been violated, the CRA 's have continued to report the inaccuracies and violate the privacy of the consumer.
Consumer complaint received 2020-07-07
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. (CA)

I have sent multiple letters and complained to the CFPB once prior, this is my second attempt w/ CFPB and I have sent 4 dispute letters to the bureaus in regards to accounts that are not mine. The bureaus have provided ZERO evidence showing that the accounts were opened up by me. These are not my accounts and I am tired of this nonsense. These accounts have not come off my report .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also inquiries on my credit report that are not mine, you will see in the attatched documents all the legal information and documentation that has been sent to XXXX, XXXX, and Transunion. I am hoping that this doesnt become a legal matter. I have a legal team ready to protect my rights as a consumer and if this doesnt get resolved quick I will have to become litigious.
Consumer complaint received 2024-02-18
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. (GA)

On XX/XX/year> at XXXX am, I mail my dispute letters to Equifax via certified mail ( Certified Mail Tracking Number # XXXX ) asking for validation of debt per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and 15 U.S. Code 1692g. All I have received back is the debt is verified with no proof and sending stall letters saying I'm not a real person sending in the letters. They keep mailing me a balance statement with a breakdown without proof of my wet signature.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (FL)

I have asked South West Credit Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2024-02-18
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. (GA)

XXXX XXXXXXXX XXXX XXXX charged off a car loan account # XXXX According to the Fair Credit Reporting Act when a creditor has written the account off is close I did not receive 1099-C form from the creditor .They got a tax credit and I am not able to to report this as Income to the IRS and I should not has this debt on my credit profile .Please send me any forms and documentation that you have a right to report this as a debt if you can not please remove this from my credit report immediately
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I opened up an account at Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. 

I deposited over XXXX in the form of a check and they keep placing holds on the money over the standard period for no real reason. I came in to get XXXX and was denied 7 days after I deposited the money. I asked them to contact management and the women did not get anyone and made a fake phone call.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. 

I had on-going issues with the company drafted my payments from my checking account instead of my saving account, which enabled me from making online payments. I have called the company several times after noticing returned payments from my checking account. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request Sincerely, XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am demanding the deletion of public record the bankruptcy that is currently reporting with your company as you are. not able to verify the accuracy of this information. If you can verity this account, please forward me the appropriate information, In accordance with the Fair Credit Reporting Act XXXX has violated my right 15 U.S.C.1681b 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 604 A Section 2 A consumer reporting agency can not furnish an account without my written instructions