davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and still have fraudulent information on my credit report. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRTY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXXXXXX INQUIRY DATE : XX/XX/2022, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX,
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

I sent a Letter on XX/XX/2023, to EQUIFAX, XXXX, AND XXXX to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information with third-party people, much of this information was also mistaken, fraudulent, or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (PA)

XXXX XXXX is misrepresenting me my character my credit worthiness, not to mention my reputation, they are reporting lies and violating my rights under 15 USC 1681 ( a ) ( 1 ) XXXX XXXX is stating they are not the correct company, They only report information from XXXX and Equifax. 
My score on Equifax is showing as XXXX, and at the same time the score on XXXX XXXX is showing as XXXX. 
How can XXXX XXXX state, Incorrect Company ( from the first time they received this complaint ). When they are reporting the wrong information
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2022-12-12
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. (AZ)

THIS A REPORT REGARDING THE IMPROPER USE OF ME AND MY MOTHERS CREDIT FILES AND REPORTS AND PERSONAL DOCUMENTS SUCH AS SOCIAL SECURITY CARDS AND DRIVER LICENSES ISSUED IN ARIZONA. TOGETHER WITH STATE MOTOR VEHICLE AGENCIES PARTNERED IN A CRIMINAL ENTERPRISE TO STEAL IDENTITIES AND TRAFFIC STOLEN CARS TO XXXX. XXXX XXXX WAS THE FINANCE MANAGER WHO HANDLED ALL 4 CAR SALES FOR ME AND MY MOTHER BUT HIS TEAM ALSO USED OUR CREDIT WITHOUT PERMISSIBLE USE. MY CREDIT PERSONALLY WAS RAN AT XXXX XXXX XXXX ON XXXXNE DAY AND THEN 3 DAYS LATER A DIFFERENT XXXX XXXX XXXX RAN MY CREDIT. XXXX AND XXXX. THEN PROCEEDED TO RUN OUR CREDIT AT BANKS WHERE THESE GUYS KNEW OF HOLDINGS THAT WERE UNKNOWN TO US OR WHERE ME AND MY MOTHER ARE TRUSTEES ON A TRUST WE DONT KNOW OF. THE AMOUNT AND FREQUENCY COUPLED WITH US BEING IN ACCIDENTS AND HAVING NOT HEARD BACK FROM THE LAW FIRM THAT REPRESENTED ME AND A FRAUDULENT ARBITRATION SETTLEMENT IN CALIFORNIA. THIS HAS IN TURN CAUSED PHONE TAKEOVERS ACCOUNT TAKEOVERS AND FAKE CARDS SENT IN THE MAIL WHILE REAL CARDS ARE DIVERTED AND WEB BANKS OPENED TO THEN DIVERT MORE FUNDS. XXXX XXXX XXXX IN XXXX AND XXXX IN WASHINGTON WE HAVE RECEIVED DEBTS FOR AND DO NOT KNOW THESE BUSINESSES HOWEVER THEY WERE UNCLAIMED PROPERTY THAT WAS CLAIMED THROUGH FALSE CLAIMS OR CLONED LLCS EITHER WAY THIS DEALERSHIP HAS USED MY CREDIT IN WAYS THAT HAVE CAUSED IRREPARABLE HARM AND I ALSO SHOW 3 CARS WHEN TRYING TO GET INSURANCE THROUGH XXXX YET I ONLY OWN 1 CAR AND MY NAME IS ON MY MOMS CAR AS WELL SO 2 XXXX  AND THIS 3RD CAR IS A XXXX I BELIEVE FRAUDULENTLY PURCHASED AND MY CREDIT SHOWS XXXX XXXX XXXX XXXX XXXX XXXX AND A FEW OTHERS THAT ALL STEM FROM MASSIVE CAR LOAN FRAUD FROM THIS DEALERSHIP AND IDENTITY THEFT THAT OCCURED HERE. I DEALT WITH SALESMAN XXXX XXXX, CSR XXXX, XXXX XXXX, XXXX AND XXXX IN SERVICE AND XXXX XXXX RAN MY CREDIT AS WELL AS XXXX XXXX XXXX IN XXXX TX AND MANY MORE ITS A MESS, I WAS DENIED LOANS FROM THESE BANKS AND FORCED TO FIND A LOAN ELSEWHERE BECAUSE THESE BANKS HAD LOANS ON THE BOOKS WITH MY INFORMATION AND MY MOTHERS INFORMATION AS WELL. AFTER CONTACTING 3 CREDIT AGENCIES I FIND OUT THAT I HAD SEVERE MIXED CREDIT FILES AND HAS CAUSED MASSIVE FRAUD IN OUR MUNICIPALITIES AS MOST OF MY INVESTMENTS THAT WERE MUNICIPAL BONDS AND XXXX XXXX HAS SINCE LOCKED ME OUT OF MY ACCOUNTS AND TRANSFERRED ALL THE ASSETS TO A KNOWN IDENTITY THIEF AS EVIDENCED ON MY MVD RECORDS THE LOAN ON THE XXXX CARS WE HAVE ARE THROUGH XXXX XXXX AND BELIEVE THESE FRAUDULENT ACCOUNTS ARE ON THE COMMERCIAL SIDE AND COULD BE IN THE NAME OF A FRAUD BUSINESS PARTNER FOR XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Upon checking my credit report I still see that inaccurate information on me is reporting. 

On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On Experian, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX, OH XXXX On XXXX my name is XXXX XXXX and not XXXX XXXX My correct name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-09-27
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: Bread Financial Holdings, Inc. (NJ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights un 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint against Experian for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to my requests for validation and reinvestigation of a debt on my credit report. Details of Communication and Timeline of Non-Response : 1. Initial Dispute - On XX/XX/year>, I sent Experian a letter requesting validation of a debt on my report, as is my right under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Experian failed to respond within the XXXX investigation period required by law. 2. Second Request for Reinvestigation - On XX/XX/year>, after not receiving any response from Experian, I sent a second letter asking them to reinvestigate my initial dispute. Again, Experian did not respond or communicate any action taken. 3. Further Follow-Ups - On XX/XX/year>, I sent another letter and a final one on XX/XX/year>, reiterating my requests and urging a response. However, I still have not received any acknowledgment or documentation from Experian regarding my dispute. Under the FCRA, consumer reporting agencies like Experian are legally obligated to : - Investigate disputed information within XXXX days ( or XXXX days if additional documentation is provided ) as stated under Section 611 ( a ) ( 1 ) ( A ). In my case, Experian has far exceeded this timeframe, ignoring XXXX separate letters and my legal right to an investigation. - Notify me of any reinvestigation results under Section 611 ( a ) ( 6 ), which they have also failed to do. Experians lack of response not only violates the FCRA but also compromises my ability to maintain an accurate and fair credit profile. For the CFPB 's review, I am enclosing all letters sent to Experian, as well as my identification, as supporting documentation of my efforts to resolve this matter. These documents demonstrate Experian 's failure to comply with FCRA guidelines within the legally required timeframe. Experians lack of responsiveness to my dispute and reinvestigation requests is a clear violation of my rights under the FCRA. I seek a prompt resolution to ensure compliance with federal law and accurate reporting on my credit profile.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had an exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment.

This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hardship to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30 days up to 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports!
Consumer complaint received 2024-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: INTERNAL CREDIT SYSTEMS, INC (VA)

I am filing a formal complaint regarding unethical and harassing debt collection practices by Internal Credit Systems , Inc., a debt collector claiming to collect on behalf of XXXX XXXX XXXX. The conduct violates the Fair Debt Collection Practices Act ( FDCPA ) due to inconsistent and misleading information, lack of transparency, and inappropriate language in communications.

Initial Issue : I originally canceled my gym membership at XXXX XXXX. In XX/XX/year>, XXXX communicated that my outstanding balance was {$84.00}, including a cancellation fee. However, the debt collector, Internal Credit Systems , Inc., initially claimed in XX/XX/year> that I owed {$95.00} for seven missed payments and late fees.

Unjustified Escalation : In subsequent emails, Internal Credit Systems escalated the balance to {$300.00} without providing a proper breakdown or justification. They later claimed the amount included seven payments of {$29.00} ( {$200.00} ) and {$95.00} in fees. This conflicting information highlights their lack of transparency. Screenshots of these emails have been attached as evidence.

Harassment and Unprofessional Behavior : When I requested clarification and validation of the debt, the collector responded with harassment and derogatory remarks, such as : " If you can't read, have someone else read it for you. '' " We're done with you, sir. '' " You need to spend more time figuring out how to pay this debt. '' These communications are unprofessional, threatening, and violate the FDCPA guidelines on appropriate collector conduct.

Violation of My Rights : Internal Credit Systems failed to provide clear validation of the debt, gave inconsistent information, and attempted to coerce me into paying without allowing me to dispute the balance. The threatening tone, unsubstantiated charges, and harassment have caused significant stress and confusion.
Consumer complaint received 2023-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the Fair Credit Reporting Act Capital One XXXX Account # ending XXXX 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 an account without my written instructions.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company.

Please update my address : XXXX XXXX Please update my name to My only social security number is My only correct date of birth is My only employer is I do not wish to have any telephone numbers on my report.

Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Enclosed is my Drivers License and Proof of Residence.

This is my 3rd request! Verify through certified mail received XX/XX/year>.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge OFF {$14000.00} TRANSUNION Date opened XX/XX/year> Charge OFF {$14000.00} I called the credit bureaus and sent in debt validation letters, disputing letters, and they told me that I needed to call the company who Im having an issue with. I called XXXX XXXX XXXX they told me that I have to keep it on my credit another year. 
I asked them to please provide copies of the legal notices and proof of the commercially reasonable manner of the subject vehicle. 
They did not provide me with that information within 14 days from receipt of this notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Under 15 U.S. Code 1681c-2 Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681s-2 ( 8 ) ( E ) Under 15 U.S.C. 1681i ( 5 ) ( A )
Consumer complaint received 2022-12-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (TX)

I have been trying to speak with someone in the fraudulent department of Speedy cash for the past couple of months, and I have not been able to speak with anyone. My complaint is in reference to a criminal matter. Speedy cash received an application of credit in XXXX of 2020 under the following names XXXX XXXX and XXXX XXXX from XXXX Texas. This loan application included an XXXX account that was opened fraudulently under my name XXXX XXXX. I submitted a complaint regarding that fraudulent XXXX XXXX Account and I will attach the complaint and response to this complaint so Speedy Cash can recognize and confirm that these applications used a fraudulent XXXX XXXX account that was opened under my name and how I am the victim of these fraudulent applications that have now been turned into a criminal investigation against me. I am extremely upset with Speedy Cash because of their lack of security for their customers and not verifying bank accounts and the rightful owners are the ones applying for loans, I am now the criminal in this matter when in actuality I am the Victim. I want Speedy Cash to recognize the GRAVE error they made and I want an apology and their acknowledgement regarding this matter and I want Speedy Cash to make crucial changes in security, identity verifications and bank verifications in real time. This matter will be turned legal if an apology and acknowledgement of their actions are not addressed in a timely matter which is 15 days from the date of my complaint submissions.