davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XX/XX/2023 Dear Equifax My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-12
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: CITIBANK, N.A. (PA)

Someone used my information XX/XX/2023 to apply for a MACY'S/CITIBANK credit card in my name. I did not give anyone permission to apply for any credit. I did not give anyone permission to use me as a cosigner. My credit score was so low ( XXXX ). I knew I would have never been able to get a credit card. Let alone a MACY 'S credit card.
Consumer complaint received 2023-01-31
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-24
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-07-03
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. (CA)

Under Title 15 chapter XXXX, I am a federally protected consumer a natural person, the administrator and the original creditor according to 15 USC 1602 ( f ) ( e ) and I am the person who regularly extends credit according to 15 USC 1602 ( g ), 15 USC 1601, 15 USC 1602 ( f ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX can not originate credit ; they can only extend credit because I am the original creditor the natural person pursuant to 15 USC 1602. The furnisher can not validate debt without my consent according to 15 USC 1692j. In your investigation with ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 USC 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to remove all accounts from my consumer report. I did not give them ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) written consent to report on my consumer report according to 15 USC 1681 ( b ) ( a ) ( 2 ). Pursuant to 18 USC 8 the government assumed all liability from the social security card on file. I XXXX XXXX the natural person is not obligated or liable to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. I have received many bills from these companies previously mention alleging I owe debt/late payment fees. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX Violates 15 USC 1605, FCRA, FDCPA, and XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX continues to solicit on these alleged debts and some have even closed the account which is adverse action according to 15 USC 1681m and XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX has negatively reported on my consumer credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and ALL the credit reporting agencies will be persecuted for illegally utilizing my name and will be criminally liable for all violations according to 15 USC 1611, 15 USC 1640, 15 USC 1692e, Title 18 but not limited to.
Consumer complaint received 2023-12-26
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)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Notice for Proof of Claim Account : -XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$17000.00}. XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXX : {$17000.00}
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credence Resource Management, LLC (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2021-10-06
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. (TX)

XXXX XXXX XXXX has been placed on my credit report as the owner of this debt however, there. are several names on this invoice with no further information. The invoice not only has a name of XXXX XXXX XXXX, it also has XXXX XXXX XXXX, XXXX, it states services provided by XXXX XXXX XXXX XXXX, there is a name of a XXXX XXXX. This alone is adding false information to my credit report if they are not the actual owner of the debt. 

I have contacted XXXX XXXX requesting more information which includes documents that I would've signed in the emergency room and they have not responded.
Consumer complaint received 2024-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (UT)

I received a credit card in the mail with my name and address. I looked into it and there was a hard inquiry from them ( Citibank ) on my credit report. I immediately called them and told them I did not request this card and I want it deleted and my credit report clean up from their inquiry.
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (MA)

My XXXX is blocked and has been for two months now. After spending 2.5 plus hours on the phone the first customer service person said yes there is a block and she connected me with the Dept who handles that. 15 minutes later someone comes on and now says there's NO block. So I said then you are trying to tell me XXXX, my phone company, XXXX, and half dozen other merchants are the problem and not the card? She was obviously lying and said " yes there's no block ''. Then she said it would clear up soon. Its not blocked yet they'll have it fixed soon. That was almost two months ago and the card is only works at an ATM.
Consumer complaint received 2023-06-15
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)

This is the 2nd Complaint before Filing a Lawsuit against TransUnion! There is a fraudulent account on my TransUnion Credit Report with Georgia XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Georgia XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and Georgia XXXX XXXX XXXX is violating the law, Ignorance of the law is no excuse. In conclusion, I have shown you proof and you have been put on notice that you are repeatedly reporting fraudulent information. The information is, in fact, fraudulent and inaccurate. The continued reporting of this fraudulent information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, fraudulent/inaccurate account from my Consumer Report. Also, I have attached supporting documentation from the creditor that the account is to be blocked and removed from my credit file, but it is still reporting. Please remove fraudulent account. Thanking you in advance for your cooperation.
Consumer complaint received 2024-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (PA)

Subject : Request for Reclassification of Dispute Numbers Dear [ XXXX XXXX XXXX XXXX XXXX ], I am writing to formally request the reclassification of dispute numbers XXXX and XXXX to reflect that the transactions in question were not authorized by me and should be categorized as fraudulent. Both claims involve unauthorized payments that were processed without my consent, and I would like these cases reopened for further investigation. The dispute type should be amended to fraudulent unauthorized, and I request that they be re-evaluated under new dispute numbers as required by legal standards. It appears that the previous assessments incorrectly categorized these disputes as " service not received '' rather than addressing the fraudulent nature of the transactions. Please refer to the attached documentation for further details. Thank you for your attention to this matter. I look forward to your prompt response regarding the necessary adjustments. Best regards, XXXX XXXX
Consumer complaint received 2022-12-08
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. (CT)

On XX/XX/22 and again on XX/XX/22 ( us postal service certified mail receipt tracking number XXXX ) I contacted Experian to let them know they were still reporting inaccurate, unverifiable information on my consumer report. Due to their inaccuracy my ability as a consumer to extend credit has been damaged to a great extent. I tried to extend credit and was discriminated against and refused the following. 
XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX XXXX XXXX 

According to 15USC 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I put them on notice that I never gave consent to them to violate my privacy rights by reporting harmful information that is adversely affecting me. There is no law that says anything has to be reported by consumer reporting agencies. According to 15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and respect for the consumer rights to privacy. I asked for the evidence that the information they're reporting have been properly investigated with proof of the investigation methods. They're yet to show me one piece of evidence that coincides with the need of commerce for the consumer credit.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America was derelict in their duty of care to its customers when it allowed someone to fraudulently open an account with my name, address and SSN. I notified them of the fraud on immediately when it happened. Bank of America was lax in their internal controls allowing this to happen. Furthermore, BofA has compounded the problem by creating an undo burden to support my claim of identity theft fraud by asking for the following information : Copy of Drivers License, Copy of SSN card, Copy of SSN Statement, Proof of Residency, copy of Police report and original documents. BofA demonstrated poor internal controls in opening the fraudulent account. Why should I trust BofA with any additional highly personal information when they have not demonstrated reasonable care in handling financial information.
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MO)

On XX/XX/2023 at approximately XXXX CDT, an unauthorized transfer occurred on my CashApp account. An unauthorized person gained access to my account, via my smartphone as I went to the restroom. This person transferred monies into their account, without my approval or knowledge in the amount of {$140.00} USD. The company has refused to refund, cancel or reverse the transaction, knowing it was fraudulent.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2022-12-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (CT)

I received a mortgage from XXXX and closed on the property at XXXX XXXX XXXX, XXXX XXXX on XX/XX/2022. Approved for a second mortgage XXXX loan ( Down payment assistant loan ) with Homeloanserv. XX/XX/2022 made my first payment on the first mortgage to XXXX. Attempted to make the first payment on the 2nd mortgage to Homeloanserv, When I could not make the first payment on the second loan online I called the company. I was informed that the company was behind in the processing on the second loan and to wait a week to pay the first payment. After about a week i was able to make the first payment. Shortly after this it was shown online that I was late making the payment. I received a correspondence XXXX stating that the first mortgage was sold to Homeloanserv. XX/XX/2022 I contacted XXXX and inquiried about the first mortgage being sold to which I was told that it was not and made my XXXX mortgage payment to XXXX. On XX/XX/2022 I find out that the loan was sold to Homeloanserv and not wanting to be late on the payment made a oayment on XXXX to Homeloanserv to the first mortgage. The XXXX payment to XXXXwas forwarded to Homeloansev which they placed into escrow and will not give it back to me. Even though I have made duplicate timely payments to Homeloanserv I see late payment on the online account, which I want corrected and I want my duplicate payment returned to me which my attempts to get this has been unsuccessful, with Homeloanserv saying that that payment sent to them from XXXX was for escrow, even though XXXX has stated that it was not.