davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
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)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX.
Consumer complaint received 2022-08-02
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)

This is XXXX XXXX, and I am submitting this complaint to inform the Credt Bureaus that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and continues to report unverified information without providing any proof required by law. The Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (KY)

Choice Recovery , Inc. has directly reported negative information to all 3 credit bureaus without ever sending me any form of notice.

I was never given the opportunity to confirm or deny the debt, nor has this company ever contacted me regarding this.

I am absolutely disgusted that they would treat me as an uneducated consumer.

FDCPA laws are very clear and I should not have to quote them for Choice Recovery and this negative information should be deleted from all 3 credit files immediately.

809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall ce
ase collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collec
tion activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

hello My name is XXXX XXXX I have 2 problems with Equifax I have been trying over a month to freeze my credit report online i spoke with a representative on the phone that told me the system is down call back later. I have some disputes on my credit report inaccurate reportings equifax is saying at the end not able to dispute at this time. do i need to go to the news media with this this is getting out of hand. no one is regulating equifax they are doing whatever they want to do and putting false information on my credit report.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am a XXXX woman. On XX/XX/2022, I filed a dispute on MyEquifax to update the legal name on my credit report. To support my dispute, I attached a copy of the certified court order, copy of my updated drivers license, and copy of my updated social security card. My dispute has remained pending since XX/XX/2022. I finally was able to speak with an agent on XX/XX/2022 and she told me to call back in 48 hours. I called back on XX/XX/2022 and spoke with another agent. It was only then that the agent advised that I had to mail in the documents because Equifax would not accept the documents I submitted through their online portal. I did not receive a letter, phone call or email stating this and if I had not called to check on the status of my dispute I can only assume how long I would have been kept in the dark about my dispute. I believe what Equifax did to me is discriminatory because of my gender identity because to my knowledge and based on their website other consumers are allowed to update their personal information through the portal and without physically mailing the documents. Equifax action is also unfair and deceptive because their portal indicates that consumer can update their information online with supporting documentation and XXXX consumers have no way to avoid this act or practice and it is likely to cause substantial injury to me because I am in the process of applying for a mortgage with XXXX XXXXXXXX XXXX. XXXX stated " [ w ] e are really on a time crunch right now and need to re-pull your credit ... '' and that they may have to close the application as incomplete. With interest rising everyday, this delay in updating my personal information on my credit has the potential to cause substantial injury to me.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Beginning on XXXX XXXX XXXX and through XXXX XXXX XXXX, I have been trying to lift the security freeze from my credit file with Equifax via calling them around the clock, literally every 20 minutes during their business hours. Everytime I speak with an agent over the phone, they are unsuccessful in lifting the freeze and would tell me to call back in 30 minutes due to the fact that they are unable to access my file and that their system is going through an upgrade. I have also tried their online website to unfreeze my credit file, but that was also unsuccessful and again I tried logging on and submitting the request every 20 minutes but to no avail. 
I have asked if there is a supervisor or manager that I could escalate my case to because it is a very urgent and serious matter. I have applied for a loan on a home purchase and my lender is requiring to see my credit scores from all 3 credit unions. I was able to lift my security freeze with XXXX and XXXX successfully. However, Equifax has been giving me a lot of trouble with it and my loan can not be processed unless my lender sees my credit score from Equifax. If Equifax does not lift the security freeze by Wednesday XXXX XXXX, XXXX, I will be losing my deposit on the house, which amounts to {$38000.00}, a big sum of money I can not afford to lose. At this point, I have sent two written requests to Equifax at the office in XXXX Georgia via USPS Overnight Service on both XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have tracking numbers to confirm when they would have received my request. I believe by law, the credit reporting agency Equifax has only 3 business days after receiving my written request to lift the security freeze on my credit file. I do understand that at this time of filing the complaint with CFPB, it has not been exactly 3 business days yet since Equifax will have received my request, but I am informing CFPB right now in the anticipation that Equifax will not be able to resolve my issue in time. They have been extremely unhelpful on the phone and their website is n't very useful at all. I actually do not even feel confident, at this point, that they would be able to lift my freeze in time. I am filing this complaint in the hopes that CFPB can help me investigate and escalate this issue further with Equifax since this is a very urgent and serious matter and a lot of money is at stake here. Thank you!
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STERLING JEWELERS, INC. (CA)

XXXX XXXX from XXXX XXXX threatened to have law enforcement come to my house because I said I could not pay my debt at this time. She also called an old acquaintance and told her she was a debt collector looking for me. I do not know how they got her information in the first place since she has nothing to do with me.
Consumer complaint received 2022-08-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  Account # XXXX ; and XXXX  Account # XXXX have 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 an account without my written instructions
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (FL)

Equifax is still reporting an account they have yet to validate. I previously disputed the validity of the reporting by XXXX XXXX and requested documentation used to verify this account and received nothing from Equifax or the creditor. XXXX  and XXXX  were not able to verify the debt either so It was deleted about a year ago, yet I find it disturbing Equifax is still reporting false information. Equifax also has failed to update my reports and score in over a month.
Consumer complaint received 2022-08-02
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 sent a letter on XX/XX/2022 addressed to the Credit reporting agencies requesting to remove the following fraudulent information ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$2600.00} ) that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXX.Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including these items once again.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WA)

Citi wrongfully reported late payment to my XXXX  credit report : Delinquent Account Reported on XX/XX/2020 by XXXX Your account is 30 days or more past due. 
Account CITICARDS CBNA Amount {$220.00} Status Late 30 Days I have been in contact with CITI customer service several times since XX/XX/2020 to present indicating that I was unable to pay due to change in income due to Covid. I was informed that CITI will not report to the credit bureaus during COVID-19 pandemic. I have worked hard to bring my account current and I also have been wrongfully denied their COVID-19 account assistance to help my family during this troubling time.
Consumer complaint received 2022-08-02
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)

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2018-11-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

During my 4 years of college I was studying to enter the XXXX XXXX XXXX XXXX. I took out several loans to help, both private and federal. The issue is that the Private loans, now owned by XXXX XXXX XXXX XXXX have variable rates. I have worked on and off during raising my Child and I am expecting to be out of work for my XXXX child. The reality is that my work does not cover the cost of childcare so it is more affordable and just as beneficial to the children to stay home with them. There are currently 4 private loans amounting to {$40000.00} with rates of 11.25 %, 11.75 %, 10.625 % and 11.125 %. I have paid these since graduating in XX/XX/2011 but can no longer keep up having made no dent in the principle and only affording to pay the outrageous interest rate each month. How can they get away with not lowering these rates to a fixed lower rate that is achievable. This is predatory lending to a young XXXX girl with little/no financial background. In addition to this, the school provided no education on the risk of lending, nor did they make any effort to find a lower rate federal loan that would not create such hardship for students futures.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-04-25
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # 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 n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-02
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: SYNCHRONY FINANCIAL (PA)

SYNCB/HOME DESIGN XXXX ( Synchrony Bank ) has sent me account documents that support I paid the account in full on XXXX XXXX, XXXX and the account was closed. Please see attached for the legal records. 

XXXX is reporting that SYNCB/HOME DESIGN XXXX reports that I was late paying the account in XXXX, XXXX, and XXXX of XXXX. This is not possible as the account was paid in full in XXXX XXXX and closed. XXXX is showing incorrect information on my credit report despite multiple attempts to get this information corrected. 

I am suffering quality of life issues given my credit score is severely reduced due to this reporting error that has no merit to be on my account.
Consumer complaint received 2022-08-02
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. (FL)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2017-11-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (MI)

I contacted Loan Depot in regards to being off work ill since XXXX. I made all payments on time never late until savings ran out in XXXX. I sent them my job offer advising them I was starting new job and will be able to make payments on time. I ask if I could get one month deferment and was advised no. They refused to take partial payment which I advised i could make biweekly payments to get current they refused and told me to do loan modification ; deed in lieu. I applied for modification In XXXX and have been getting run around since and modification still not completed. Home is now in foreclosure with sale date and I never got update from mortgage company in regards to anything or status of modification. I only got updates because I was calling weekly. Than I started getting hung up on every time I called or recording stating leave message someone will call back and never have called back. I had to start calling off other phones to get thru and speak with someone about status and not enter loan number or will get hung up on. This company has caused me so much stress and the process in which they function is terrible. If the calls are recorded I would love to have them pulled so the CEO and share holders can hear and see the unjust I have been experiencing since XXXX still with no solution to my home. I believe they have caused me more fees and stress than my initial call when I ask for a month deferral which I would have had account current in two months time.