davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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. (TX)

I have reported this account many times to Equifax over the past year, showing Equifax there is no creditor name or company reported at all. Equifax continues to state the account has been " verified as accurate ''. How can this account be " verified as accurate '' when there in no creditor even reporting? Also, this account is reporting it was opened in XXXX XXXX  when the account is supposedly FIVE YEARS OLD. Isn't that re-aging the account to make it appear newer? And isn't that considered a violation? 
How is this account considered accurate when the information reporting on my credit report is blatantly incorrect? Equifax 's incorrect reporting and failing to respond to my requests is affecting my credit score and preventing me from obtaining credit opportunities. Does an actual person work there or is everything automated? Additionally, could you please provide me information on steps to taking legal action for Eqiufax 's continued negligence in the reporting of incorrect information. It makes me wonder how many other people are being affected by Equifax 's negligence.
Consumer complaint received 2022-05-05
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. (IN)

I paid a collection XX/XX/2022 and it was removed from XXXX and XXXX that following Monday. I noticed it was still listed with Equifax in XXXX and reached out to the creditor who was able to confirm it was paid and provided me with the confirmation and reference numbers so I disputed the collection report on Equifax 's website. I was informed that the collection still stands as of XX/XX/2022 as unpaid! I reached back out to the creditor who repeated what the previous agent told me and advised me to reach out to Equifax. I called Equifax and explained that I had already spoken with the creditor who not only confirmed payment but also the removal from ALL bureaus and the agent I spoke with at Equifax just advised me to submit another dispute!
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-28
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 — Investigation took more than 30 days
Company: Aurora Financial, LLC (NJ)

We bought our house in XX/XX/2018 loan from Aurora finance, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from Aurora. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending. 

Our credit is down by 280  points because of this. 

We have this complaint against Aurora finance for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.
Consumer complaint received 2022-07-30
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. (GA)

XXXX, XXXX, and Equifax are in violation of the FCRA. They are reporting inaccurately on my Consumer reports account number : XXXX.The date opened is inconsistent. XXXX has- XX/XX/2022 XXXX has XX/XX/2022, Equifax has - XX/XX/2022 as well as the date of last active ; XXXX has XX/XX/2022, XXXX has XX/XX/2022, and Equifax XX/XX/2022. Remove this account from my report for inaccurate reporting.
Consumer complaint received 2019-03-28
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: SYNCHRONY FINANCIAL (MI)

So on my credit report it has Syncb/ppextr National Credit Card/Airlines. So I called the bank and they told me that then can not find any info under my name or SS # and that they can do anything with it. So I have called all 3 credit report companies and they tell me I need a letter from that bank stating that they dont have any info under my name. And I am done talking the the credit report companies and the bank because none of them can help me. So can you please help me get this off my report. date it happened XX/XX/2017. I have read on line that other people have gotten this on there credit report too. I just want it removed from my credit. 
Thanks
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices of Palmer, Reifler & Associates, P.A. (OH)

on XX/XX/22 I received a letter from a Debt Collection law firm in Florida however the Law Firm page was hiding the real Law firm and hired someone not registered in Ohio to act as a consultant lawyer and have tried to raise the money in debt owed from {$300.00} to like {$800.00} and their website doesn't feel safe or secure if this is happening and has tried to harass me
Consumer complaint received 2022-07-30
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. (GA)

Transunion, XXXX, and XXXX are in violation of the FCRA. They are reporting inaccurately on my Consumer reports account number : XXXX.The date opened is inconsistent. Transunion has- XX/XX/2022 XXXX has XX/XX/2022, XXXX has - XX/XX/2022 as well as the date of last active ; Transunion has XX/XX/2022, XXXX has XX/XX/2022, and XXXX XX/XX/2022. Remove this account from my report for inaccurate reporting.
Consumer complaint received 2021-06-08
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. (OH)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

I have asked for validation and verification on several occasions and AFNI have not been able to validate and verify pursuant to XXXX, and XXXX. The original creditor is XXXX. I do not owe this debt.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (TX)

XXXX application for a personal loan of {$35000.00} I did not ever apply for a personal loan with XXXX 
Letter of denial dated XX/XX/XXXX. XXXX application on XX/XX/XXXX. 
Application number XXXX Reported to XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Credit card application XXXX letter dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Fraud Credit Card application REF Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX have a credit freeze. I'm a victim of identity theft.
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (NY)

I had a 24months contract with XXXX XXXX which open in XX/XX/XXXX. Payments were made on time. Due to Covid 19 ( natural disaster ) I started to short on my payments until I had to close account which break contract. They then started collection which I disputed numerous times cause are natural disaster. Year XXXX I tried settling numerous times which was denied. The balance even increases as it goes through numerous collection agencies.
Consumer complaint received 2022-10-24
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. (TX)

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Per 15 usc 6802 a financial institution which has been listed above XXXX not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX is not affiliated with EQUIFAX they can not disclose any nonpublic information to EQUIFAX without my consent which I have not given any consent.
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

This number : XXXX, is messaging me pretending to be Chase Bank in an attempt to phish my information. They have used a different number before and successfully phished my information. I would like them to be investigated and stopped.
Consumer complaint received 2018-05-22
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. (AL)

I have contacted XXXX, Equifax, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX  XXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from Equifax on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX AFNI , INC XXXX 
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI , INC. 
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NY)

Purchased a product with 24 months deferred interest. Figured out automatic payments to pay off it 23 months. Did not pay off in 23 months and was not notified of that fact. Charged all of the interest previously accrued at 25 %. Called to see if they would forgive remaining interest and they declined. I should have been notified that date was approaching so full payment could be made.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXXXXXX XXXX XXXX XXXX As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt. 

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt. 

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY. 

As codified by federal law these accounts must be closed and must be removed as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX CFPB Ref No : XXXX -- -> Please Note : XXXX XXXX notified me in writing, dated XXXX, that account -- XXXX is not reported by them as it is not my account ( see attached ). -- - ( If they offered me a new {$5000.00} limit account in my name - I would ask how soon ). 
Equifax said " they are still working on it. ''
Consumer complaint received 2021-06-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Marlette Funding, LLC (TX)

I AM BEING SUED BY XXXX XXXX XXXX FOR A LOAN THAT WAS CLEAR IN BANKRUPTY IN XXXX THEY HAVE CHANGE THE DATE TO XXXX XXXX AND SAID I GOT THE MONEY IN XXXX WHEN I FILE I DIDNT BORROW ANY MORE MONEY FROM ANYONE. I DONT KNOW IF SOMEONE ELSE DID I KNOW I DIDNT.THE ONE WHO IS DOING THIS IS XXXX XXXX XXXX AS I SAID I HAVE NOT BORROW ANY MONEY SINCE MY BANKRUPTY
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (MD)

On XX/XX/2020 Some one purchase XXXX XXXX  and I didn't purchase this on my credit. When I tried to cancel it it would not cancel. This is an ongoing issue with this Paypal credit with Synchrony Bank as some one hacked my account.
Consumer complaint received 2022-08-23
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. (NC)

My name is XXXX 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 2023-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (IN)

Rec 'd an alert from XXXX advising that my credit score decreased by XXXX points. Referenced my report and found an account that was sent to collections by XXXX XXXX XXXX for a service that I did not incur. This fraudulent account was apparently set up in XXXX of 2022 by someone who stole my identity. This same thing transpired in XXXX of 2022.
Consumer complaint received 2022-04-15
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: CORELOGIC INC (IL)

I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. 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
Consumer complaint received 2022-10-24
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DE)

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681.

Nissan Motor Acceptance Account XXXX XXXXXXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-20
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: Self Financial Inc. (NV)

There is an account that shows on my credit report, the name of the company is Self/XXXXXXXX  XXXX it shows the account was opened on XX/XX/XXXX, for the amount owed of $ XXXX.This account is not mine. I have an account with this company, this account I have not participated in or had any knowledge of this account. I am concerned with the company 's legitimacy with the accounts that I do have there are multiple inaccuracies, I have never had a late payment. On XX/XX/XXXX, I checked my credit report and filed a dispute. I'm in the process of taking each step from the company to get this matter resolved. I was told to submit a police report, an identity theft report. I am concerned that my information has been compromised and used for identity theft.
Consumer complaint received 2022-04-25
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. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.