davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

This company continues to report inaccurate information on my credit report and I have contacted them several times to remove the inconsistencies. Please review uploaded documentation a response from the creditor and remove ASAP.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (NY)

I have contacted Equifax and have not gotten a response but I am a victim of Identity theft, I have 4 Inquiries on my report all in the last two years that are fraudulent. I have attached an identity theft report and my license to verify my identity. These inquiries are ruining my life and I cant be penalize for inquiries that are fraudulent, help me to stop the crime wage against me.
Consumer complaint received 2022-09-30
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. (CA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification Description of re-investigation procedure.
Consumer complaint received 2021-02-16
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2022-03-30
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. (NY)

I am writing today because I am shock how poor attention and lack of investigation XXXX, XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX The first error date open XXXX is reporting XX/XX/XXXX while XXXX and Equifax is reporting XX/XX/XXXX. 

The second error close date XXXX is reporting XX/XX/XXXX while XXXX and Equifax does not have a closing date. 

The third error account status XXXX and XXXX is reporting closed while Equifax is reporting open. 

The fourth error payment status XXXX and Equifax is reporting current while XXXX is reporting late 150 days The fifth error last payment Transuinon and XXXX is reporting XX/XX/XXXX and Equifax does not have a date. 

The last error credit limit XXXX and XXXX is reporting {$2100.00} and Equifax is reporting {$0.00}. 

I have sent numerous letters to these XXXX credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

On XX/XX/2019 I received a collection notice from A company called AFNI. The letter stated I owed {$1400.00} to XXXX XXXX XXXX. I never used XXXX XXXX XXXX services before and had not seen any other bills that need to be paid from the said company. It was a surprise that it was sent straight to collections and not have any notices to begin with. I believe this was a case of stolen identity with the intent of ruining my credit.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (WA)

I have a debt from XXXX XXXX, and it was first made more than 5years ago. But yet all of the credit agencies and XXXX XXXX are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called Jefferson systems LLC or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report.

I believe that after 180days the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. Thank you.
Consumer complaint received 2022-08-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to Transunion took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion
Consumer complaint received 2021-08-03
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. (MS)

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of XXXX  etc. unless they can prove a written contract exist.
Consumer complaint received 2022-10-16
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)

I signed up for a credit card a few months ago because I was trying to develop a credit history and few a positive credit lines on my report when I checked my credit report I saw a number of hard inquiries from credit card companies running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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. (MS)

n accordance with the Fair Credit Reporting Act XXXX Accounts has violated my rights. 

15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (FL)

Back in 2021, I was buying flight tickets ( XXXX visit to my family in New Jersey ) with Frontier Airlines ; on the Frontier website there was advertised option to apply for Credit Card with Barclays ( with {$80.00} annual fee for benefits that included flight cancellation... ). 
I applied for the credit card with Barclays ( Frontier ) because of that benefit of flight cancelation insurance. 
Unfortunately, due to sickness, I had to cancel the flight tickets for which Frontier charged cancellations fees for 4 passengers ( my XXXX kids aged XXXX and XXXX, my pregnant wife, and myself ). 
Later on XXXX, I tried to file the claim with Barclays but I was directed XXXX to file the claim ( Claim # : XXXX ) where I provided all available information related to medical conditions, medical history, flight cancellation, itinerary, flight tickets ect. It took several months to process the claim and after those several months of asking for the determination, I was notified on XXXX that that my claim is denied because that assumed it was preexisting condition that caused the illness that resulted in flight cancellation. I have tried to ask for further explanation and review but all I get is Undeliverable email message form my claim examiner. 
I have cancelled this card as of today XXXX to avoid any further fees and I asked for the refund of those cancelled tickets but it was denied.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

Hello My name is XXXX XXXX and US BANK closed my account with no explanation i been getting the run around regarding why the account was closed i was told wait on the letter US BANK has my money on hold so i cant withdrawal any money for bills rent nothing i received the letter on XXXX. The letter stated no reason why the account was closed it stated once all obligations has been filled in debts has been cleared or any obligation owed to us bank a cashier check will be sent out i have no obligation to us bank nor do i owe them any money i want my money released right away i have bills in rent due
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Business Bureau (IL)

I recently discovered a debt from a collections agency when I went to check my credit score. This agency has had two bills from me for a full year and they have never once made any effort to contact me to say that the money was owed. ( I also never even got the bill from the hospital in the first place ) This has absolutely DESTROYED my credit rating.
Consumer complaint received 2021-12-01
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$0.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1800.00} XXXX {$600.00}
Consumer complaint received 2019-07-08
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. (CA)

will state the facts as it appear on my credit report, on XX/XX/2019 a collection account from XXXX XXXX for {$1500.00} was removed from my report per the collector without any change to my score which was at XXXX and on XX/XX/XXXX my score dropped 77 to XXXX for no reason. I believe my score was suppose to go up 77 point to XXXX after the account removal by XXXX XXXX, you can check my score trend to validate my contention
Consumer complaint received 2021-12-01
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my XXXX XXXX : XXXX-Date of inquiry XXXX/XXXX/2021
Consumer complaint received 2022-08-19
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account only Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX Date Opened : XX/XX/2017 Balance : $ XXXX-Late/Open Late Dates XXXX
Consumer complaint received 2021-12-01
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. (NY)

XXXX XXXX posting Equifax has not stop reporting XXXX XXXX, XXXX XXXX and XXXX XXXX .multiple times and fraudulently stating XXXX the status statement that accounts were removed when the accounts are still on my credit report for equifax.XXXX XXXX is posting that the above accounts are removed But they are not. 
Secondly. XXXX XXXX equifax has removed current and in good standing account XXXX XXXX. I never said remove that good standing account.XXXX XXXX system is missing up my credit status and score eqyifax.
Consumer complaint received 2021-10-27
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. (FL)

I was effected by multiple data breaches & have multiple UNAUTHORIZED accounts & inquires that MUST BE DELETED BRECHES FROM equifax XXXX XXXX XXXX XXXX the bureaus must take off
Consumer complaint received 2019-07-08
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: Innovis (GA)

My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.
Consumer complaint received 2019-07-08
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. (GA)

Im reaching out because there are still items on my credit that are still mind. I have reached out to the FTC and my local police department and I am doing this on my own behalf and Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXXXXXX XXXX Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX.
Consumer complaint received 2022-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: GOLDMAN SACHS BANK USA (MO)

My wife and I refinanced our auto with XXXX XXXX XXXX in XX/XX/2022. The check was sent out and endorsed by Goldman Sachs, the lien holder of the loan, and deposited into XXXX XXXX, in XXXX XXXX, XXXX. The amount was {$23000.00}. However the loan was not paid off! My wife has filed complaints with the XXXX and Attorney General. She has spoken to a complaint resolution specialist at XXXX who claimed that Goldman Sachs has found the money and that they will be contacting us. Nothing has happened with that. XXXX XXXX XXXX says that their lawyers are also working on it. XXXX has told us to continue paying Goldman Sachs until this is cleared up. We desperately need to know where this money has gone. I dont even have a good phone number to call Goldman Sachs and the specialist at XXXX that spoke to my wife has not returned any of her calls. The address of XXXX executive office is in New York.
Consumer complaint received 2022-08-03
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-03-30
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 — Problem with personal statement of dispute
Company: Nelnet, Inc. (GA)

I submitted a Debt Validation Request to Nelnet, an email confirmation was sent to me XXXX/XXXX/2022. The email stated that my request was received and to allow up to 30 days for a response. On XX/XX/2022 I received a letter from Nelnet stating that no adjustment was needed for the alleged account due to their research. THEY ARE IN VIOLATION OF THE LAW! I requested that the original contract with my alleged signature be sent to me, or drop the debt to a XXXX balance and cease and desist all collection practices. However, they never sent anything aside from the email confirmation, and letter stating that the alleged account is accurate based on their investigation.
Consumer complaint received 2022-08-13
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. (OR)

In accordance with the fair credit reporting act XXXX account numbers listed below 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. These entries are not authorized and incorrect : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are inquiries that were not approved and i did not give my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmWest Funding Corp. (TX)

I refinanced my loan for XXXX  home and new mortgage company and previous mortgage companies were the same ( AMWest ). But they show discrepancy of when previous company wired the funds to title company and when title company wired the funds to new mortgage company ( which in this case is the same company!! ) by one week. 

So I lost interest of 5 Days XXXX XXXX $ XXXX even though title company claims they wired the funds for new loan on Monday ( XX/XX/2021 ) the mortgage company says nope they received it on Friday ( XX/XX/2021 )!!! Please note that the previous mortgage company was also AMWest and new mortgage company is also AMWest and title company says they never held the funds with them for more than few hours and immediately wired the funds to AMwest once they received it from previous mortgage company XXXX which in this case was also AMWest only )