davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. AUTO LOAN opened at XXXX XXXX XXXX XXXX on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (TX)

To who it may concern, I am writing to dispute the validity of the alleged debt associated with the above referenced account. Under the Provisions of the federal Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, I hereby exercise my rights to request that all communication pertaining to this dept be ceased and desisted immediately. 

It has come to my attention that you have been attempting to collect this dept from me, and per my rights granted by consumer protection laws, I am demanding that all communication cease with me, my family member, friends or my employer concerning this or any other purported debts you claim I owe. 

According to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request verification of the debt from your agency. I am requesting that you provide me with written documentation, validating the legitimacy of this debt, including amount owed, the original creditor 's name, and any relevant account information. Until Proper validation is provided, I dispute the debt in its entirety. 

Moreover, it is essential to bring to your attention the requirements outlined in the XXXX XXXX Reporting Guidelines, which are mandated by the FRCA. Any information you furnish to credit reporting agencies must be accurate, complete, and updated. If you have reported this debt to any credit bureaus, I demand you correct any inaccurate information immediately. 

Please be advised that I am fully aware of my rights under the law and will not hesitate to pursue civil and criminal remedies to ensure my rights are protected.
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc. (TX)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPNY USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX with a balance of {$2600.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

When we sat down with the representative he explained that it was 90 Days same as cash. My credit score was not so good and asked for something that I can afford. The representative never told me that it was a weekly payment and that a late fee will accompany the amount if the card was locked on the same day. It was so ridiculous that I made a large payment hoping that I could still get the same as cash 90 Days, but the ended up trying to charge me 3 times the amount which I felt was unfair and a set up because they harassed me and made me very uncomfortable. They even made negative reporting on my credit report effecting my credit.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Caine and weiner Subject : Debt Validation Request Dear Caine and Weiner I am writing to request validation of the debt referenced in your letter dated [ Date of Debt Collector 's Letter ]. I am requesting this information pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The name and address of the original creditor.

2. The account number or reference number for the alleged debt.

3. A copy of the original agreement or contract that verifies my responsibility for the debt.

4. A detailed explanation of any interest or fees that have been added to the original amount.

5. Proof that you are licensed to collect debts in [ Your State ].

Please be advised that I do not acknowledge any liability for this debt and request that all collection activities cease until this information is provided. 

Additionally, I request that you do not contact me by phone. All future correspondence should be in writing and sent to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A. (AL)

Someone tried to open a PNC account in my name with my Dad as a co-signer. My Dad contacted me and I told him to submit it as fraud. So he did and I tried to do the same thing. I had to find out the account by using my SSN and upon doing so the account was froze or locked. So I cant submit it as fraud now. Its almost as if whoever hacked my XXXX  account realized I closed the account and tried to open an account with PNC which I already have an account with PNc. Its a prepaid debit account but still. I dont even see how PNC didnt see that
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies in the payment history reported on my Equifax credit report by XXXX XXXX XXXX. 

Despite multiple attempts to resolve the issue directly with both Equifax and XXXX XXXX XXXX, my credit report continues to inaccurately reflect excessive late payments for my XXXX XXXX XXXX account ( Account No. XXXX ) during XXXX and XXXX. Specifically, Equifax reports that I was XXXX and XXXX days past due during several months, including XXXX, XXXX, XXXX, and XXXX of XXXX and XXXX. However, based on my actual payment history, while there were minor delays, I was not as delinquent as reported. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX is legally obligated to report accurate information to credit reporting agencies. I have disputed these inaccuracies with Equifax multiple times, but they have failed to correct the errors, instead relying on XXXX XXXX XXXX ' verification, which I believe to be inaccurate. XXXX XXXX XXXX has not adequately reviewed the documentation I have provided, which demonstrates the inaccuracies in the late payment reporting. 

I have included my XXXX XXXX XXXX payment history as evidence of the discrepancies. I believe Equifax 's failure to correct the inaccuracies violates my rights under the FCRA, and I am seeking your assistance in ensuring this matter is resolved. 

I request that the CFPB investigate this issue and ensure that Equifax and XXXX XXXX XXXX correct the inaccurate reporting, as this ongoing error has negatively impacted my credit standing. Additionally, I seek written confirmation from both Equifax and XXXX XXXX XXXX once the necessary corrections have been made.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my credit report and found several inaccuracies associated with my account. These discrepancies are impacting my ability to obtain credit. I understand that the credit bureaus can investigate these issues to confirm their accuracy. Please verify the following account details for me : account name : [ XXXX XXXX ], account number : [ XXXX ].
Consumer complaint received 2018-12-24
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: Experian Information Solutions Inc. (GA)

XXXX XXXX ( XXXX ) {$240.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. 
You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CO)

On XX/XX/2022 XXXX took XXXX out of my account when I had no services with them. I notified PayPal and was issued a temporary credit. Unfortunately for me, this action was reversed due to PayPal requiring me to provide proof of the fraudulent charge which is contrary to what Regulation e states, the burden of proof is on the debitor rather than the account holder. 

When informed about this PayPal doubled down and refused to reverse their decision and I have to start the whole process over again. 

Please inform PayPal that they need to give me my money back until XXXX has satisfied the burden of proof for the charge.
Consumer complaint received 2022-08-16
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: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/2022 I sent a hand written letter via certified mail to XXXX disputing the three charge-off, credit card accounts ; because they are being reported past the time that they need to be reported on my credit. I requested to have them removed immediately, as other credit bureaus have removed these same account from my credit report already. I received a response with a letter dated on XX/XX/2022 refusing to remove two of the accounts. This is not in alignment as my other credit reports no longer have these accounts reported, and its illegal to report and beyond the statute of limitations.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have repeatedly requested in writing that TransUnion remove inaccurate inquiries from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX is not listed in the XXXX XXXX XXXX as having proper certification to collect debt in the state of Ohio. 


Additionally, according to 15 U.S.C. 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Consumer complaint received 2024-09-14
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am filing a complaint against TransUnion due to their failure to investigate disputed items on my credit report and provide requested verification details. On XX/XX/XXXX, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting specific information on how they verified the disputed items on my credit report. Despite following the proper procedures and providing my government-issued ID, proof of address, and a copy of my Social Security card , TransUnion refused to conduct the investigation on my disputed items, including a reported bankruptcy.

In my dispute letter, I requested the following information, which I am entitled to under the Fair Credit Reporting Act ( FCRA ) : The date TransUnion contacted the creditor or furnisher of the disputed items.

Contact information for the creditor or furnisher.

The name of the person who verified the disputed item.

The method of communication used to verify the information ( e.g., phone, email, etc. ).

Whether the creditor or furnisher provided my Social Security number, address, and date of birth during the verification process.

TransUnions refusal to conduct an investigation and provide this information violates my consumer rights under the FCRA, which requires that credit reporting agencies ensure the accuracy of the information reported and respond promptly to consumer disputes. The FCRA mandates that these agencies conduct a reasonable investigation of disputed items and provide verification details to consumers when requested.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure TransUnion complies with its legal obligations under the FCRA. I seek assistance in securing the deletion of all disputed items on my credit report due to TransUnions refusal to properly investigate and respond.
Consumer complaint received 2022-08-16
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.