davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (PA)

I recent notice Multiple inquires on my credit report that were unauthorized. Most bring in XXXX XXXX XXXX XXXX. I have been previously notified by Equifax XXXX XXXX that I was a victim of Identity Theft due to Security Breaches with their respective companies. There is no surprise that my information can/could be used to attempt to receive credit or accounts. I have since filed a report with IDTheft.gov and will upload report to this complaint. I AMM respectfully requesting each respective Credit Bureau delete each unauthorized Hard Inquiry off of my consumer reports. 

My other issue with the 3 Credit Bureaus XXXX Equifax, XXXX & XXXX ) is : I am requesting the DELETE ALL the listed Charge-Off Accounts on my reports due to there are no longer any Balances owed on each respective account. 

THE LAST DATE OF ACTIVITY, THE LAST DATE OF PAYMENT, THE ACCOUNT NUMBER, THE BALANCE EVERYTHING ON THIS CREDIT ITEM ON MY CREDIT REPORT LOOKS TO BE INCORRECT. CAN YOU PLEASE DELETE THIS ITEM FROM MY CREDIT REPORTS Lastly ; There are Two ( 2 ) Listed Dismissed XXXX XXXX  Bankruptcies on my Credit Reports. Ive already disputed them directly with the credit bureau to delete them because the Court did not send this info to the Credit Bureaus Directly, and by law it should not be Reported on my credit reports
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (PA)

I recent notice Multiple inquires on my credit report that were unauthorized. Most bring in XXXX & XX/XX/. I have been previously notified by XXXX & XXXX that I was a victim of Identity Theft due to Security Breaches with their respective companies. There is no surprise that my information can/could be used to attempt to receive credit or accounts. I have since filed a report with IDTheft.gov and will upload report to this complaint. I AMM respectfully requesting each respective Credit Bureau delete each unauthorized Hard Inquiry off of my consumer reports. 

My other issue with the 3 Credit Bureaus ( XXXX, XXXX & Experian ) is : I am requesting the DELETE ALL the listed Charge-Off Accounts on my reports due to there are no longer any Balances owed on each respective account. 

THE LAST DATE OF ACTIVITY, THE LAST DATE OF PAYMENT, THE ACCOUNT NUMBER, THE BALANCE EVERYTHING ON THIS CREDIT ITEM ON MY CREDIT REPORT LOOKS TO BE INCORRECT. CAN YOU PLEASE DELETE THIS ITEM FROM MY CREDIT REPORTS Lastly ; There are Two ( 2 ) Listed Dismissed XXXX  XXXX Bankruptcies on my Credit Reports. Ive already disputed them directly with the credit bureau to delete them because the Court did not send this info to the Credit Bureaus Directly, and by law it should not be Reported on my credit reports
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On all three of my credit reports, it shows incorrect name, address, and phone. I have tried to correct the information with each of the credit reporting agencies, and they refuse to make the correction. My credit has been severely damaged by information that does not belong to me or has my correct name. I have also been denied new credit and turned away from a job because of this false information. I am at the end of my rope and thought the best thing to do is to come to your agency for help. I am asking for assistance in forcing the agencies, Equifax, XXXX XXXX, and XXXX to immediately correct this information so that my credit score can be greatly improved.
Consumer complaint received 2024-11-22
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. (MD)

I am writing to formally report that I am a victim of identity theft. An unauthorized credit inquiry has been made on my credit report without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following inquiry from my credit report : XXXX XXXX : XXXX. XXXX XX/XX/year>
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TN)

On the night of XX/XX/year> I got home from work and mistakenly overpaid my house cleaner through XXXX. I paid her {$240.00} instead of {$140.00}. She sent me a refund of {$100.00} through XXXX. Wells Fargo stopped the payment. I called Wells Fargo and told them what happened, and the customer service rep lied to me stating that there was nothing wrong and it would be deposited by Monday. I get up on Saturday and could not access my online account and I call Wells Fargo again and discussed what happened. I would tell the information would be passed on to the people reviewing the transaction and account. With in a matter of minutes I got an email tell me that my account was being closed. They have lied to me numerous time this week. Wells Fargo is mad I will not allow them to pay items in overdraft and now they are closing my account because they can not take advantage of me any long.
Consumer complaint received 2022-07-14
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. (IL)

I've asked the credit bureaus to do a verification and they done so, they researched on my report and stated that is was accurate but I done a thorough researched on my report I've found improper items on my report that's I found inaccurate. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Reporting act XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc. (PA)

My name is XXXX XXXX I purchased a vehicle on XXXX I got rushed out of the office where we made the cell at XXXX at XXXX at night everybody was closing the doors up I asked about the gap nobody told me anything I ended up getting broadside at the next morning next morning looked in my paperwork and there was no gap I called them they were no help they told me you signed the paper for no gap I said your guy pushed me out of the office told me to sign here sign there and did not explain anything or let me read anything now I am gon na be {$7000.00} under Because they did not give me the gap my vehicle was a total loss it had 22 miles on it done it and they will not help me in any way I asked him to add to gap the next morning They will not help me at all Somebody please help me my number is XXXX thank you for your time
Consumer complaint received 2023-02-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX went to a XXXXXXXX XXXX  bank branch to open a business credit card. With the assisance of the XXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX  branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
,
Consumer complaint received 2022-06-06
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: CURO Intermediate Holdings (TX)

Dear Collector, This letter is in response to the Consumer Financial Protection Bureau inquiry received on XX/XX/2022. 

I must remind you that I have sent a Debt Validation letter and your Company received the certified mail on XX/XX/2022. YOUR RESPONSE ON XX/XX/2022, you have stated that YOU WILL NOT INVESTIGATE DISPUTES THAT ARE IRRELEVANT, FRIVOLOUS, OR DISPUTES THAT HAVE PREVIOUSLY BEEN INVESTIGATED ( who verified these account )? UNLESS IF YOU ARE PROVIDED WITH ADDITIONAL RELEVANT DOCUMATION. 

Your Company has violated my rights as a consumer by failing to validate a debt at my request and continuing to report. These are clear violation of both FDCPA THE FCRA. 

This is a violation 15USC 1692G ( b ) upon receipt of a borrows dispute letter the debt collector shall cease collection of the debt, or any portion thereof, until the debt collector obtains verification of the debt and a copy of such verification is mailed to the consumer by the debt collector. 

Failed to notify the credit bureaus to mark the account as disputed. 

I gave the legal time of 30 days to complete this, you failed to investigate this account properly. 

Please DELETE THE ACCOUNT TO ALL 3 MAJOR/SUB BUREAUS. 

SEND ME A COPY OF DELETION, CEASE ALL COMMUNICATION VIA MAIL OR THROUGH THE CFBP MESSAGE. SHOULD YOU NOT DELETE THIS ACCOUNT, I WILL BE FORCED ON PURSUING LITIGATION IN THIS MATTER TO ENFORCE MY RIGHTS UNDER THE FCRA. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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.
Consumer complaint received 2022-06-06
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)

The Credit Bureaus never did a proper " investigation '' on XXXX XXXX  Account # XXXX according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, because everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, high credit balance amount, credit limit, last date reported, comments, date last active, date of last payment and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

n XXXX-and XXXX of the year XXXX my credit account had become past due with XXXXXXXX XXXX XXXX, However I have no memory of nor record of the bank ever trying to contact me to let me know my account was severely past due, and since disputing the matter with them through Experian, the bank has made no attempt to provide me any backup that they did try to contact me to let me know my account had been past due, and was not on auto pay. I at the time had another account with XXXX that was on autopay and was being paid on time and in full every month, so in my checking accounts, I was seeing a withdrawal to XXXX and had no indication that the account was past due. The Bank again, made no attempts that they've been able to provide proof of that they attempted to contact me at that time to let me know my account was 30 60 and then 90 days Late. And when I finally became aware of the mistake, I corrected it promptly. I've asked the institution to both provide proof of the lateness and the attempt to contact me, and asked for leniency in the matter considering both the fact that this was at the beginning of the COVID 19 pandemic, and that they failed to alert me, however on all atempts to resolve this matter between us they have failed to provide anything other then generic and cryptic responses, with no backup, just a promise that " and investigation '' had been conducted. I ask that CFPB please ensure XXXX knows that I am both entitled to a detailed response with investigative evidentiary proof and that if they can not provide this that they must remove this blemish from my credit files.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-06
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: CNG FINANCIAL CORPORATION (IL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

AWA Collections is violating FCRA Section 623 ( 5 ) ( A ). This account is illegally re-aged.

Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX  closed account showing as balance. 
XXXX closed account showing as balance. 
XXXX XXXX  closed account showing as balance. 
XXXX XXXXXXXX XXXX XXXX XXXX closed account showing a balance. 

It is against the law to show balances on closed account according to the FCRA. 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 2022-05-31
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. (VA)

I've contact XXXX XXXX  Delaware about a specific amount that has been paid and the account has been closed for more than a year. The account shows closed, and the balance was never updated to zero. The balance remains at XXXX. I contacted XXXX and they told me to contact a collection agency. When contacting the collection agency, they tell me to contact XXXX. I have a letter from XXXX, the collection company showing the account was settled on XX/XX/2020. I got the letter from XXXX on XX/XX/2020 and called XXXX again. They still have not updated the balance on my credit report. The amount settled was XXXX. XXXX settled for a lesser amount and sent me a 1099 for XXXX. When I spoke with XXXX, they were aware the account was paid. 

Experian updated my credit report and claimed XXXX was written off. I made XXXX in payments on a balance of XXXX. Experian updated my account to reflect paid in settlement : XXXX written off. The amount written off after payment would have been XXXX.
Consumer complaint received 2022-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Porania, LLC (FL)

XXXX XXXX this debt on XX/XX/2020 amount of {$5500.00} granted removal of this debt reporting on my credit report this bankruptcy is effecting me im requesting to remove this debt off.
Consumer complaint received 2022-06-06
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. (NY)

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out. 

According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. 

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX Credit Union ( # XXXX ) XX/XX/XXXX Credit Union XXXX # XXXX ) XX/XX/XXXXXXXX Auto ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXXXX/XX/XXXX ( # XXXX )XX/XX/XXXX Credit Union ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, 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. (CA)

I have some inquiries in my Equifax and XXXX credit report that i am not recognisingi have called them several times but no one is helping me.. and my inquiries are from XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX 
( Bank ) XXXX XXXX XXXX ( Finance ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX Equifax
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (FL)

These account was open when I was n the XXXX and I never used or apply for this credit card. The company refuse to accept that it was identity theft.. I file a FTC report they refuse to remove the item XXXX XXXX Account number XXXX .... 
Recent balance {$1500.00} as of XX/XX/XXXX Date opened US BANK Account number XXXX .... 
Recent balance {$2600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$2500.00} written off. {$2600.00} past due as of XXXX XXXX