davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I am writing to address the issue of late payments on my account. It has come to my attention that there have been instances of payment delays, and I want to express my sincere apologies for any inconvenience this may have caused XXXX XXXX XXXX
Consumer complaint received 2024-02-13
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (AR)

I HAVE BEEN RECEIVING LETTERS IN THE MAIL FOR A WHILE NOW ABOUT ME OWING CHILD SUPPORT MONEY. IM NOT QUITE SURE WHAT ANY OF THAT IS ABOUT BECAUSE MY KIDS LIVE WITH ME AND I HAVE NEVER BEEN PUT ON CHILD SUPPORT. I ALSO GOT DENIED A CREDIT CARD FROM XXXX XXXX DUE TO A LOW CREDIT SCORE. I HAVE PULLED MY CREDI AND I SAW CHILD SUPPORT ITEMS AND LOANS ON MY ACCOUNT THAT DOES NOT BELONG TO ME. I STRONGLY BELIEVE MY IDENTITY HAS BEEN STOLEN. PLEASE REMOVE THESE ITEMS FROM MY REPORT.
Consumer complaint received 2024-02-13
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX 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 2024-02-13
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. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX Account number : XXXX, I was a victim of identity theft.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$680.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. XXXX  is reporting correctly. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be updated to report a {$0.00} balance. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TX)

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 2020-07-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Specialty Northwest, Inc. (OR)

They have called my work before ( a government agency ) and I told them they absolutely can not call here. On top of calling me twice in a row on XX/XX/01 while I am at work, they then called my work, again. That is 3 times in one day and calling my work is unacceptable. The calls came from XXXX from a XXXX XXXX with Creditors specialty northwest
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-13
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 am making this complaint because Equifax refuses to ffollow the laws that are supposed to Govern them. I need help, I literally was on the phone with a super visor with Equifax and the supervisor told me flat out that their internal policy supersedes the law. That kind of attitude is why the united states is in the position it is in. 
I am the victim identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My original loan was with XXXX {$310000.00}. My mortgage was taken over by XXXX and later taken over by Specialized Loan Servicing LLC, servicer for XXXX. I did have a series of bad luck & XXXX. I am a XXXX, until I needed a XXXX that put me out of work for 6 months. Later I had to have a XXXX, then my surgeon told me that I could no longer XXXX. 
SLS kept telling me to reapply for a modification, but I was advised that even if I could make a payment that they will not accept it. I worked with XXXX in XXXX and we reapplied and SLS had a different reason to refuse a modification every time. This went on for three years, causing me to now owe about {$85000.00} in the arrears. 
my income did not meet 31 % toward mortgageI had too much equity so my NPV came out negative / they had over valued the housethey ran the numbers again and did not include my Fianc 's income, income was too lowthey ran the numbers again with his income as a contributor and the lower appraisal again a negative NPVthen they scheduled a Foreclose Auction DateI had to File Bankruptcy to figure out what to do next. 
I grew up in this home & raised my children in my home. I have some neighbors that we have known each other since 1960.
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE accounts listed below are fraudulent and are destroying my financial life ... I have submitted all the proper documentation to all 3 bureaus proving that these items are fraud yet the bureaus fail to follow the rules set forth by the FCRA section 605B when it comes to fraudulent accounts ... PLEASE BLOCK AND REMOVE these accounts immediately! 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : US DEPT OF EDXXXX # XXXX {$140.00} XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$160.00} XXXX XXXX XXXX # XXXX {$720.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$1000.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : DPT EDXXXX # XXXX {$0.00} US DEPT ED XXXX XXXX {$0.00} XXXX # XXXX {$1200.00} XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX # XXXX {$720.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : DEPT OF ED/XXXX  # XXXX {$0.00} US DEPARTMENT OF EDU  # XXXX {$0.00} XXXX XXXX # XXXX {$1200.00} COLLECTIONS # XXXX {$120.00} COLLECTIONS # XXXX {$720.00} COLLECTIONS # XXXX {$690.00} COLLECTIONS # XXXX {$130.00} COLLECTIONS # XXXX {$180.00} XXXX XXXX # XXXX {$310.00} Inquiries : XXXX XXXX XXXX  XX/XX/XXXX AUTO CREDIT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX GA XX/XX/XXXX
Consumer complaint received 2024-02-13
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. (KS)

on multiple occasions i have disputed inquiries on my reports by mail, phone and online. requests havent gotten the items removed. my personal information has been exposed in data breach ( s ) with equifax, as well as other online affilates of CRA 's such as XXXX and similar websites. Also XXXX XXXX had a fraudulent inquiry on my report which has been addressed and removed. These inquiries on my reports unfamiliar to myself are circled in the atteched ducuments and need to be removed from my reports.
Consumer complaint received 2024-02-13
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. (NJ)

I am following up on my most recent complaint concerning the lack of action regarding my request for the removal of inquiries from my XXXX and Equifax credit reports. Once again, I am requesting the removal of inquiries resulting from alleged identity theft. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that such items be removed within four business days after XXXX XXXX XXXX This matter was previously raised in my complaint and is reiterated here alongside my new FTC report # XXXX. Please remove the following inquiries resulting from alleged 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 XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove the listed inquiries will result in legal action. My attorney is fully informed of my intentions and is prepared to hold you accountable for noncompliance.
Consumer complaint received 2024-02-13
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. (HI)

I am writing to request the removal of unauthorized credit inquiries from my Equifax credit report. Upon reviewing my latest credit report, I noticed two credit inquiries that I did not authorize. Therefore, I am disputing these inquiries and requesting their removal from my credit report. 

The unauthorized inquiries are as follows : 1. Equifax Mortgage Services - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX Please investigate these inquiries and have them promptly removed from my credit report. I kindly request that you provide me with a full report of your findings within 30 days, as these unauthorized inquiries are adversely affecting my ability to obtain new credit. Additionally, I would appreciate receiving a copy of my credit report once this issue has been resolved. 

Thank you for your attention to this matter. Your assistance in resolving this discrepancy is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX 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 2020-07-01
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX all FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violations : FTC : Not mine Fair DEBT : LAW saids you can not use unfair practices to collect a debt FCRA : inaccurate information case on the company have violated the law previously will enclose all the violations : FTC Sues Subprime Credit Card Marketing Company and Debt Collector for Deceptive Credit Card Marketing XX/XX/2008 FOR RELEASE TAGS : Consumer Protection The Federal Trade Commission today announced the filing of a lawsuit charging XXXX XXXX and its wholly-owned debt collection subsidiary, XXXX XXXX XXXX XXXX XXXX, with deceptive marketing practices in selling credit cards to consumers in the subprime market. 

The FTCs complaint charges both defendants with violations of the FTC Act and XXXX XXXX with violations of the Fair Debt Collection Practices Act ( FDCPA ). Todays action is the result of a coordinated investigation of the defendants marketing practices by the FTC and the Federal Deposit Insurance Corporation. In a related action, the FDIC has issued notice of administrative charges against XXXX and two banks that issued credit cards marketed by XXXX
Consumer complaint received 2024-02-13
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. (CO)

XXXX reported payments late while going through housing assistance through CARES ACT. When contacted they said there is nothing wrong and that they don't know anything about CARES ACT I have filed another complaint with CFPB and they seem to have done a real attempt to investigate but turned up wrong information. They claim my relation with XXXX  has ended in XXXX, XXXX and so my CARES protection has ended than to. However that is wrong, XXXX  themselves sent me a letter confirming that it has ended on XX/XX/XXXX. That lines up correctly, as the last payment was issued on XXXX, XXXX and my communication with them went on through XX/XX/XXXX. Please see attached evidence.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
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)

Upon review of my most recent credit report I noticed credit inquiries with ( XXXX, XXXX XXXX Equifax ) which I DID NOT initiate. These inquiries are the result of fraudulent activities for they were not authorized by me either verbally or in writing. Listed below are inquiries and dates which I would like removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX  XXXX {$6300.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX {$63.00}