davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (IL)

Dear CFPB, I am writing to dispute a fraudulent collection account that has been wrongly reported on my XXXX, XXXX, and Equifax credit reports by XXXX  XXXX XXXX. I am deeply concerned about the impact this false information may have on my credit history, financial stability, and overall well-being. 

In XX/XX/2023, I discovered that there was a collection account on my credit reports from XXXX XXXX XXXXXXXX, which I had no knowledge of. I contacted XXXX XXXX XXXXXXXX immediately, and they informed me that the account was opened in my name in XXXX XXXX 

I was taken aback by this information since I have never had any financial dealings with XXXX XXXX XXXXXXXX. I explained this to their representative, but they were unhelpful and insisted that I was responsible for the debt. They also refused to provide me with any supporting documentation. 

Since then, I have been trying to clear my name and remove this fraudulent account from my credit reports. I have filed disputes with all three credit bureaus, but they have all come back stating that the account is valid. This has been an extremely stressful and frustrating experience, and I am at a loss as to what to do next. 

I am confident that I am not responsible for this debt, and I believe that XXXX XXXX XXXX has made an error in reporting it on my credit reports. I have always been responsible with my finances, and I take great pride in maintaining a good credit score. This fraudulent account has negatively impacted my credit score, and I am afraid that it will continue to do so if it is not removed. 

I am appealing to the CFPB to intervene in this matter and help me clear my name. I respectfully request that you investigate this matter thoroughly and order XXXX XXXXXXXX XXXX to remove this fraudulent account from my credit reports. I am happy to provide any additional information or documentation to support my claim. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Revenue Management, Inc. (CA)

American Revenue ManagemenXXXX in XXXX, California falsely reported to the credit bureaus that I have a past due debt from XXXX Chos XXXX despite never contacting me, never validating the debt, or even offering me an opportunity to pay any debt. The so-called debt just appeared on my credit report on XX/XX/XXXX as owed since XXXX but I have never received so much as an email correspondence about it. I emailed American Revenue Management and they initially responded saying they would follow up but I have not heard from them since. My credit is plummeting unfairly. Not only was the debt never initially validated as legally required, but I never even received any communication after that, and am still not receiving any proactive communications from the debt collection agency.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

RECEIVABLES PERFORMANCE is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (LA)

On XX/XX/2022 I had a charge of {$900.00} made on my card from XXXX. 
I do shop on XXXX but I never spend more than {$200.00} on XXXX. This charge was not authorized by me, and the charge did not even come from my XXXX account as I checked the recent purchased. I have disputed the charge with Current ( XXXX XXXX XXXX, XXXX FDIC ), and they did not resolve in my favor. I did not authorize that transaction and the bank just let someone make a fraudulent charge on my debit card. I just wrote up an appeal letter and I will have an affidavit signed and notarized and have it certified mailed to the company. I do not condone fraud all I want is my {$900.00} back.
Consumer complaint received 2021-11-11
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. (FL)

XXXX XXXX XXXX Account number XXXX {$14000.00} Still On My Credit Report And TransUnion Claiming That The Account Is Verified But They Never Showed Me Proof Of Verification Because This Fraudulent InformationDo n't Belong To Me Iam Very Disappointed With The Way TransUnion Has Been Handling My Report I demand to see Verifiable Proof As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that TransUnion remove them immediately : Account Name : XXXX XXXX XXXX Account number XXXX {$14000.00} Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 


Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
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 — Old information reappears or never goes away
Company: World Acceptance Corporation (AZ)

This account should be removed from my report. It was removed and then added back mysteriously when they changed the first date of delinquency. My last payment was XX/XX/XXXX. Now they have moved the first reported delinquency to XX/XX/XXXX. This places calls your phone of the hook for payment when your one week late saying your delinquent. That was my first notice of delinquency and this should be removed. They are a predatory lender for low income. I was in a bad position 7 years ago when I lost my business/job, home and had to relocate to find work but I have been rebuilding my life and credit since. To constantly be penalized for this and companies like this that add so much to your account its impossible to pay the full amount is the signs of an ugly broken system. I borrowed around XXXX $ this account balance is now up to XXXX. I have paid my lenders that I could afford to and that made sense but Ive been waiting for this to stop reporting and now they continue reporting to XXXX and continue to tell them this information is correct when it is not. I would like proof on how my last payment was in XXXX yet they didnt record it delinquent until XXXX XXXXNEVER SO BUSINESS WITH THIS COMPANY I PROMISE ITS NOT WORTH IT!!
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX ; 2. XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX XXXX Inquiry Date XX/XX/XXXX ; 4. XXXX - CARD SERVICE Inquiry Date XX/XX/XXXX ; 5. XXXX - CARD SERVICE Inquiry Date XX/XX/XXXX ; 6. XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the FCRA 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 open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on ELAN FINANCIAL SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-07-12
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. (WA)

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) 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. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc. (NY)

Account opened fraudulently by Kikoff Lending. I have tried multiple times to resolve but company claims I opened account. Working with XXXX XXXX XXXX to resolve issue. The Kikoff Lending account was opened in XX/XX/2022.
Consumer complaint received 2022-06-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below : Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXXXXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-11
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: The Outsource Group, Inc (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : MEDICREDIT Original creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$4100.00} ; MEDICREDIT Original creditor : XXXX XXXX XXXX XXXXDate Opened : XX/XX/2021 Balance Owed : {$760.00} ; MEDICREDIT Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance Owed : {$370.00} ;
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX - XXXX, XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, 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 2022-09-24
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. (KY)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX TransUnion is reporting an open date of XX/XX/XXXX, XXXX and XXXX have an open date of XX/XX/XXXX. XXXX  XXXX BANKRUPTCY TransUnion Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX Reference # : XXXX No Closing Date provided. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC (TN)

Celtic Bank XXXX box XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Reference Number : XXXX Dear XXXX XXXX Thank you for submitting a prequalification request for the Surge credit card issued by Celtic Bank and serviced by Continental Finance Company . Upon review of your request, we regret that we are unable to prequalify you at this time for the following reason : We are unable to access your credit report due to a security freeze. You may contact the bureau to remove the freeze and reapply. 

Our decision was based, in whole or in part, on information provided by you and the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX You have the right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply reasons why we have denied credit to you. 

You have the right within 60 days after you receive this notice, to obtain a free copy of your consumer report by contacting the consumer reporting agency listed above. You have the right to dispute the accuracy or completeness of any information in your consumer report by contacting the agency listed above. 

If you have any questions about your application, please call us at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sincerely, Credit Officer The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income is derived from a public assistance program ; or because the applicant has in good faith exercised his/her right under the Consumer Credit Protection Act. The federal agency that administers the compliance with this law concerning this creditor is the FDIC Consumer Response Center, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (MS)

XXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-09-24
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 (KY)

I have disputed the inaccurate reportings with XXXX, XXXX, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, CAPITAL ONE BANK USA N A Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX has an open date of XX/XX/2019, and XXXX XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2022-07-16
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. (MD)

Hi according to my recent credit report I have find several inaccuracies including wrong name and addresses which are not correct. also figured out some wrong employer name : XXXX  XXXX XXXX, self employed Enclosed please find proof of my residence address, please remove the address of as it is inaccurate and I am concerned that this inaccurate address may create an opportunity for identity theft.