davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX, FL XXXX XXXX REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX  THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration.

Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-02-08
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. (OH)

I recently checked my credit and notice accounts that are not mines. These accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
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. (GA)

This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2024-02-09
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. (FL)

hard inquiries listed below are on my credit report. i do not have any knowledge of these hard inquiries and have submitted a report of identity theft ( attached ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-09
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-24
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. (AZ)

When Covid-19 started my account was current. I tried numerous times to work with XXXX XXXX, called 7 times they told me they had no program for COVID-19. Every time I called they kept increasing the payoff. Then they reported negative delinquent to Experian. This is illegal during COVID-19 They cant report anything different until 120 after COVID-19 ends. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
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. (RI)

Since XX/XX/2023 I have been disputing multiple fraudulent that is report to my report. I have filed a police report and an FTC report and there are still some accounts that should not be on my report. I have disputed will all XXXX credit bureaus and only XXXX have resolved my issues and removed all accounts. XXXX have removed some there are still XXXX accounts that needs to be removed. Equifax have not removed none of the accounts. 


15 US. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. Its has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I've been trying to work with Equifax for years about trying to remove a fraudulent debt collection agency where there is fraudulent changes but they keep in they continue to report on it and correctly and always side with this company seem pretty bank that's been lying about the debt they'll link to collect it making false statements on my credit making it hard to get a house and refinance my car I would like you guys to work with Equifax to report on this correctly
Consumer complaint received 2017-01-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I have had many issues with Ocwen applying charges to my mortgage. The most recent one is from XX/XX/2016 they stated that they paid my utilities. All utilities have been paid by me and have proof of statements that have been mailed to me and payed by me. This is not the first time that Ocwen has charged me for utilities that were paid on my behalf to the utility company. I have called XXXX and both have stated that statements get mailed to me not the mortgage company. Previously I have double paid these bills to Ocwen because they offer no additional information.
Consumer complaint received 2024-02-08
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. (WI)

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 2021-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/2021, I found my coinbase crypto account was transferred by a scammer with a huge sum of two times Total {$100000.00}. Then I wrote an email to coinbase to remain them some fraud company to transferred my money away. Coinbase reply me email said need 5 business day to solve the problem and locked my coinbase account. but until now it is over two months, coinbase never answer me and I email to them many time, they dont answer me and still locked my account, I still have some bitcoins in my account, they are illegal locked my personal account, They are responsible for the loss of my account.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to submit a complaint in reference to the following information that XXXX XXXX XXXX XXXX supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX open XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX  ) Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2024-02-08
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. (CA)

I sent a dispute for inaccuracies in my report, they reporting late payments on accounts named XXXX  and XXXX XXXX. They removed XXXX of the lates. However this is inaccuracies and against the law to be reporting what is considered an exclusion in the transaction, the lates.
Consumer complaint received 2024-02-08
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. (CA)

They did not follow the proper law in regards to reporting a collection account without notice, nor has the collection account proven the account is mine. They are not able to verify the account as they have claimed, as I have never had an account with that company nor who they claim to be the original creditor. I have sent dispute all certified mail they have had more than the required time to respond.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (CA)

XXXX OPENED AN ACCOUNT XXXX Saying it was necessary to put in my personal numbers to my cell phone this phone number ending in XXXX was never used there 's not a single call placed upon that nor did I sign any contract allowing them to charge me for this account which should never of been left open. they are attempting to charge me for a service I did not order did not approve and did not use and did not sign for Collection amount with XXXX approximately {$180.00} please call for additional information XXXX
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MA)

Crux of issue : XXXX calliber did not receive my proof of insurance. Somehow XXXX years later they assessed {$4000.00} to my escrow and evoked a payment though my insurance company. Escrow ballooned and so did payment..not to my knowledge. Additionally Caliber did an inaccurate tax forecast that ultimately needed to be corrected that contributed additionally to the inflated monthly payment. When I was able to connect with Caliber Customer service ( they had called several times but left NO messages ) It took XXXX calls and XXXX days for customer service to clearly state what the issue was. Reps who said they would call back never did. Their esrow department could not explain why there was huge spike in escrow, each representative had a different story. Ultimately Caliber held my on-time payments, did not post them to my account and did not return my checks to me ... and most importantly they did not apply my payments to my account. For the two months ( XX/XX/XXXX ) that this was being resolved they reported me late 30 days. I called and wrote them to review, I also disputed through XXXX. They denied my requests to remove the XXXX 30 day lates from my credit report. 


XXXX I contI was told by customer service that XXXX said that because it was reported late in the system she can not change it. Seems unreasonable Other - Payment was made on time ... caliber help my $ $ 's and did not return them
Consumer complaint received 2016-11-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC. (IL)

We used payday loan service XXXX years ago and paid off our remaining debt. Halsted financial services has called us XXXX yr later saying that we owe them money. We do n't owe them money or have we used payday loans for XXXX yr
Consumer complaint received 2024-02-08
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 recently pulled all my credit reports and came across these accounts that do not belong to me and FRAUDENTLY reporting to my credit profile. I have never done any business with these companies nerveless i haven't signed any contract that bind me to the ALLEGED accounts. I'm requesting that these accounts be removed from my credit profile as they are hurting my ability to obtain credit and being forced to be homeless with XXXX  kids because of this matter.
Consumer complaint received 2024-02-08
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)

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, Equifax and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DISCOVER BANK (SC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. DISCOVER BANK has violated my rights as a consumer. I sent them a XXXX & XXXX on XX/XX/2022 and XX/XX/2022 asking them to cease all unfair communication through any medium but they continue to violate me by communicating with third parties and consumer reporting agencies. I sent them a Debit Validation letter on XX/XX/2022 asking for all documentary material including account ledger, balance sheets, accounting sheets, signed credit applications, XXXX XXXX Agreement and anything else relating to this alleged debt for consumer view and validation. They have failed to respond to my validation request by declining to provide an audit trail. They sent statements only that do not tell where the charges and credits originated or when. DISCOVER has reported inaccurate information to the consumer report agencies which is unfair to me because I have not been able to validate this alleged debt. This has caused me much mental stress because this has damaged my credit. They have harassed and abused me by using obscene language stating I owe this alleged debt. They have sent letters threatening to send me to an attorney which further violates my consumer rights.