davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (FL)

I have reached out time and time again trying to get these inquiries off of my credit report never did I ever give permission to check my credit 12 times I am being harassed and want these removed off of my credit report.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SF VAGO, LLC (WA)

Statefarm held my car loan which was paid off by me in 2021. I never received a lien release certificate from them. I am trying to sell the car now in Washington state and the dealership requires a lien release.

Statefarm after contacting them multiple times has not endured that I received the lien release so that I can sell the car. As per statefarm they mailed the lien release on XX/XX/XXXX and until XX/XX/XXXX I have not received any documents and they are not even sure if the document has a wet signature when I called them on XX/XX/XXXX. Upon lot of discussion and pushing them to send an important and time sensitive document in a reliable way. They asked me to send a overnight prepaid shipping label which I did send on XXXX out of my pocket and associate told me that they will mail it out today but they haven't sent it as USPS tracking shows that its not picked up by USPS. Statefarm is not taking any effort to send me a basic document and wasting my time and money.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (VA)

You closed my case XXXX and this issue is not resolved. We received a letter from the mortgage company, but they still have our account as if we are three months behind, we have missed no payments. We still can't get a clean Payoff of our mortgage to refinance or sell. this company seems really confused and has cost us a good interest rate and the home market is falling and we have loss equity in our home if we chose to sell when we originally started this process back in XXXX and it is now XXXX. Please HELP us they still have our account wrong due to us using the CARES ACT. Please see attached letter stating we still 3 months behind. We have not missed one payment.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-10-03
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)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-07-26
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. (MD)

Equifax, XXXX, XXXX are all reporting the following incorrect data on my credit report. 
Please apply these laws to my accounts : the Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Collection/Charge-Off ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX REASON : Not my Account. Please remove it from my credit report ACCOUNT NAME : XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Late Payments ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : Not my account Please remove it from my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TYPE OF ACCOUNT : Revolving/Open/Late Payments ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Installment/Late Payments ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX XXXX : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments.
Consumer complaint received 2016-07-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CCS Financial Services, Inc. (OK)

XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I never get any knowledge of this account be put in collection from the company before getting treated calls.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (ID)

I recently tried to get money at an atm from my government prepaid card and was not able to make a withdrawal. I called the number on the back of the card for help 3 times in XX/XX/2023 and they said the account was closed and to search help from the agency who provided the money. They provided limit info on why the closed my account. The prepaid card is not expired. The total on the card is {$4200.00}. I went two times by appointment to the state agency and had them say the bank is in charge of the funds and not the state agency. They did have me verify my identify for the bank thinking this would solve the problem. It did not. I am having trouble getting help from the bank and the state agency. No one knows what to do with my issue.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While viewing my credit report and alerts. I observed several hard inquiries on my credit report that was not authorized or consented by me. I am requesting for the hard inquiries stated below to be removed from my credit file as this is damaging my credit score. I did not authorized this.

Transunion The following inquiries below were not authorized or consented by me. 

XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX  : XX/XX/2021 XXXX  XXXX- XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX/ XXXX- XX/XX/2021 XXXX  XXXX- XX/XX/2021 XXXX XXXX- XX/XX/2021
Consumer complaint received 2017-01-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I bought a Toyota Camery XXXX on XX/XX/2016 from XXXX XXXX Toyota and I bought all the warranty they offered me includ Gab insurance and they explained to me that Gab insurance pays the difference if the private insurance did n't cover what I owe to the bank and the I had accident and was n't my fault I reported to my insurance and they paid me XXXX and They sent the check to Toyota and I was waiting for Gab insurance to kick in and pay the rest but I was surprised when they paid only {$390.00} and now I have to pay the rest which is almost {$9000.00} however, the GAB insurance should coverage but they cheated and lied to me and really I do n't know what I should do.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (OR)

XXXX XXXX is claiming I owe {$1000.00} for services I never received ; clearly it was identity fraud. The charge showed up on my XXXX credit report when I applied for an auto loan through my credit union. I called CBE Group, the collection agency, and was told the charge was for a cable/utility for an address in XXXX, XXXX, from fall 2022. I have never lived in XXXX  and have never been a XXXX XXXX customer . Part of completing my ID theft information form is completing an incident report, which I assume is what I am doing right now.
Consumer complaint received 2020-04-25
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. (OH)

This is my XXXX time disputing these address on my credit file. I have never lived in NEW YORK  in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2016-11-08
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

My XXXX year old mother received a notification from Portfolio Recovery Associates LLC claiming she owned {$2000.00} dollars for a debt with the 'original creditor ' being " XXXX XXXX XXXX XXXX. ". They indicated she could pay the debt in installment and save up to about {$900.00}. My mother had XXXX in the prior year and was afraid it had something to do the that ( even though all bills had been paid ). I called the Portfolio Recovery Associates and after getting the run around and letting them know further correspondence would be through our attorney, they said the would just 'take her off the list '. We 'll see if this holds true. The point here is that she could have easily thought she owed the money and made payments. After looking at the information on the internet regarding this company, I think they are a scam prey upon older people.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 2022-10-03
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AZ)

I have been working to re-instate my student loan payments since XX/XX/XXXX because in order to qualify for a mortgage loan, my credit report needs to show my actual payments under the income-based repayment plan versus a XXXX  balance that was implemented with the COVID forbearance. I did get my payment plan re-instated in XX/XX/XXXX and made both XXXX and XX/XX/XXXX payments on-time and in full on the designated due date. My credit report has not been updated since XXXX and does not reflect my actual payment amount or the XXXX payment which should have been updated by now.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (PA)

I have been disputing my credit report with XXXX and Equifax , I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.