davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (MI)

I am a victim of identity theft, I have filed police reports, wrote letters, sent in proof, called all 3 bureaus multiple times, probably close to hundreds of times now. I am a person, I am natural human, a citizen who works hard and pays my bills. I am embarrassed and ashamed by not being able to have credit and live the life I am accustomed too. I did not make these charges, I did not open these accounts, yet I am treated like a criminal instead of a victim. I filed the police report, I sent in copies of everything asked from me on MULTIPLE occasions. 
I am demanding these accounts be removed from my credit report by all 3 bureau '' s and I am demanding that inquiries be removed!!! 
Account : XXXX XXXX Bank XXXX XXXX XXXX. XXXX # XXXX. XXXX Bank # XXXX. XXXX Bank XXXX XXXX XXXX. XXXX # XXXX.
Consumer complaint received 2020-07-09
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a previous complaint to Equifax, XXXX, and XXXX to delete inaccurate information on my credit report that was fraudulently initiated. I requested for the information to be deleted and blocked, however Equifax failed to completely comply. I was a victim of an Equifax data breach which I previously submitted proof regarding. I also was a victim of identity theft when personal documents including my social security card and birth certificate but not limited to were stolen. My previous complaint ID 's are XXXX, and XXXX. I am now again submitting a complaint to have all items I listed deleted and blocked with a police report as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX all need to be deleted and blocked. I'm also requesting punitive and statutory damages of {$1000.00} each for all violations currently still listed on my report and for the information that was removed from my last complaint.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I applied for a bank account and they needed to pull my credit. They told me my account was locked with Experian, so I went to what I thought was Experian 's website to do a " thaw '' of my credit report. However, apparently Experian offers " freezes '' and " thaws '' as a separate service from their " locks, '' so my account was both frozen and locked, so undoing one had no effect on the other and I the bank was unable to pull the information. Furthermore, the automated system for Experian will not transfer callers to a live agent. I called every phone number I could find online, and eventually their system just hangs up on you. I emailed their support, and once again it had no useful information, and no one would contact me. I eventually was able to get someone with the third party provider that does their freezes. This is horrible service, and the credit bureaus have a duty to treat customers better. They need to have live agents that consumers can talk to when access to their credit report is cut off. I even called their fraud department and could not get a live agent. This is unacceptable, and they need to stop this two solution confusion when it come to credit freezes.
Consumer complaint received 2021-11-01
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. (CA)

Dear CFPB, On XX/XX/2021, I submitted a complaint to you regarding TransUnion see previous case # XXXX. Not only was this matter not taken seriously but quite frankly it was ignored. Please see the previous documents submitted in case # XXXX. Not only did TransUnion not follow the regulatory guidelines but also fail the action in providing {$1000.00} for each deletion due to their error on my credit report. In addition, I have filed with the XXXX mail service an identity theft report against Transunion for not having a prior written authorization as to the personal private information in my consumer report. The US Mail ID Theft case number is # XXXX. 

The violations are as followed : XXXX XXXX per deleted tradeline which were ( 3 ) in total. 
XXXX XXXX ( Direct Dispute ) and XXXX XXXX c ( 2 ) ( B ) ( C ) ( i ) ( ii ). Also 15 USC 1681n and 15 USC 1681o and finally 15 USC 1681q as it relates to Identity Theft. I hope to resolve this matter privately. I have already sent an a legal demand notice to Transunion LLC located in XXXX Delaware. The USPS tracking number for this document is XXXX XXXX XXXX XXXX XXXX and my return receipt USPS tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. I hope to resolve this matter with TransUnion in the next 30 days before pursuing other options. Regards, XXXX XXXX XXXX
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

I am having an issue getting my free annual credit report from XXXX XXXX, XXXX and Experian. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually. Furthermore, I need XXXX XXXX, XXXX and Experian to release my credit file and report to all lenders, creditors, banks and credit unions who need a copy of my credit report to review my credit report to offer me credit cards and installment loans.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (VA)

I have tried numerous times to pay by bill in full. They are Predatory lenders involves unfair interest rates and fees and often targets consumers with bad credit or low incomes who may have fewer options when borrowing money. This company targeted me as I am a XXXX veteran and had less than perfect credit. I have called and so has my wife trying to pay the account. I only borrowed XXXX dollars and want over XXXX back from me. I was a Virginia resident and there is a lawsuit against them from Attoney General XXXX for predatory lending to Virginia residents. The cap is supposed to be 12 % to Virginia residents. The first time I and my wife called they stated they were uncomfortable to talk to me or give there name for my records and I said what did I do that you felt uncomfortable talking to me. I felt discriminated against and I told them so. I have multiple emails offering me to pay my account or offering a settlement but they refuse to work me. I recorded phone calls of how they treated me and wife which they were notified of being recorded. They are rude and use abusive tactics.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (MD)

in XXXX we completed a trial period then the account rep stop taking our calls or emails. we stopped payments because of ongoing pandemic and personal hardships, Out of the blue we received an offer trial payment modification for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with a {$10000.00} payment! i advised BSI INC, that we would have {$13000.00} some time in XXXX. when We contacted BSI in XX/XX/XXXX saying we have the {$10000.00}, BSI said we now must pay {$26000.00}. BSI sent us a notice of intent to foreclose on XX/XX/XXXX. We have sent BSI many notices asking for reconsideration and reinstatement and another chance a modification along with a copy of a check for {$15000.00}! Meanwhile, we have been receiving calls, emails and texts from investors saying they want to buy our house even though our house has not been put up for foreclosure. We think BSi has never really intended or wanted us to have a modification, We sent BSi a certified letter in XX/XX/XXXX requesting a review of our escrow account. Since that time BSI has not given us a stable monthly payment. Now they have leaked our personal delinquent account information out to investors and are trying to force us to foreclose without any fair chance at a modification.
Consumer complaint received 2021-11-01
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: CCS Financial Services, Inc. (FL)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX  # XXXX -CREDIT COLLECTION SERV # XXXX
Consumer complaint received 2020-11-16
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 — Their investigation did not fix an error on your report
Company: Conn's, Inc. (TX)

I sent a certified letter to XXXX, XXXX, and XXXX  on XX/XX/XXXX informing them of several discrepancies that Conn 's was reporting to my credit profile regarding the date of last activity, date of last payment, date opened, account status, account type, account number, payment status, and payment history section of the listings. In addition to reporting discrepancies, this account was paid in XX/XX/XXXX, yet they continued to report payment history through XX/XX/XXXX. Conns was notified by the bureaus and they failed to perform a proper investigation and failed to fix the errors in which they were informed. Conns neglected to fulfill their lawful obligations and did not perform an honest investigation and continues to report inaccurate information to the credit bureaus after being notified.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

I did not give consent to XXXX, authorization, nor benefit from any of the following inquiries. Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. Please Delete these immediately because I gave No one permission, Nor did I authorized anyone to run my credit, or to release my information ( U. S. Code 1681b, Permissible Purposes... ). I also have the right to privacy according to the FCRA 15 U.S. Code 1681 section 602 A. This is a grave violation of my rights as a consumer, so delete this Hard Inquiry off my credit report.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to you because I have noticed that the credit bureaus do not want to do their job, which is to report the accounts correctly. While researching the bureaus ' website I noticed that you, the CFPB, are the ones who regulate it and make sure that they do their job. So what I need now is for you to give me a solution.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. XXXX negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and XXXX can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have requested the company to remove the following items below and equifax have refused to do so the other XXXX credit agencies have removed the item but equifax so called say they verified the info. I haw taken the steps to call the company and they said there is no account for me their and that they don't even report to the credit agencies so have could they have verified this information. The following item need to be removed and blocked from my credit report : XXXX XXXX XXXX. Account number XXXX this is not my account how can you verify and the other two reports deleted the items now i want all details you used to verify this fraud account.Thank you for your prompt fixing of this problem. 

ATTACHMENTS
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Transferred Etherium ( worth {$8000.00} ) ( cryptocurrency ) from one online exchange to coinbase on XX/XX/XXXX. Coinbase 's policy is to wait for 35 network confirmations for this transaction to complete. My transaction completed, and has been ready for 5 days, but coinbase has my funds as " pending '' and I can not access them to withdraw my savings. 

I have contacted " support '' dozens of times and only get canned automated responses and never can speak to a human. I don't think they have people actually working support. The emails are just the same text that are on the help section of their website. I can not speak to anyone over the phone because they don't have phone support for issues like mine.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services XXXX Please be advised that this is my SECOND WRITTEN REQUEST regarding inaccuracies on my credit report. Despite previous correspondence, the following unverified items persist on my credit report, which is a violation of Federal Law. As per the Fair Credit Reporting Act ( FCRA ), it is mandatory for you to possess original creditors ' documentation to verify the accuracy of the information. In your previous investigation, you claimed to have " verified '' these items as being " reported correctly. '' However, I question the validity of this verification process and demand clarification on who verified these accounts. 

To comply with the FCRA, you are obligated under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) to furnish me with a copy of the original documentation, specifically a consumer contract bearing my signature. Furthermore, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete any information that can not be verified.

It is imperative to understand the legal consequences outlined in Section 617 of the FCRA regarding civil liability for negligent noncompliance. I want to emphasize my intention to pursue litigation should you fail to rectify this matter promptly and in accordance with the law. 

I demand immediate verification or deletion of the following accounts : XXXX Account Number : XXXX This account is inaccurately reported as late. I have never missed any payments for this account. Furthermore, this account has exceeded the statute of limitations. Please remove it from my credit report. 



XXXX  XXXX  Account Number : XXXX Despite being paid, this account remains on my credit report. It has also surpassed the statute of limitations. Please remove it from my credit report. 



XXXX  XXXX  Account Number : XXXX I have not provided written consent for this account to be included in my report, which is a direct violation of my rights under 15 USC 1681i. Additionally, I was never informed of the sale of my personal information. Please remove this inaccurate information from my credit report. 



XXXX XXXX XXXX Account Number : XXXX This account constitutes a HIPAA violation. Please remove it from my credit report. 



XXXX XXXX XXXX Account Number : XXXX Similar to the previous account, I have not provided written consent for this account to be included in my report, and I was not informed of its sale. Please remove this violation from my credit report. 


Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally request the deletion of an account from my credit report. The account in question is XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX which was settled in full on XX/XX/2024. 

In accordance with the terms agreed upon with the creditor, the payment was made with the explicit understanding that the account would be deleted from my credit report. 

My ability to proceed with moving is contingent upon having a favorable credit standing. It is imperative that this account is promptly removed from my credit report to accurately reflect my financial status and allow me to proceed with confidence in securing housing.
Consumer complaint received 2022-08-12
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. (FL)

This is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a XX/XX/2022 but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.