davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2022-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (IL)

I have requested to received a relief plan as well as notice of increased expenses where I can not make the payments for the next few months and I am still received additional interest and fees that are not being waived during a time of increased cost of living. I have also sent my bank statements to reflect where my income is going -- basic necessities such as housing, car needs and groceries. I am requesting assistance on a decreased plan and for the interest to be removed during this difficulty time. This has the potential to weaken my credit and cost of living.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/2024 XXXX XXXX ( SURNAME : XXXX ) XXXX XXXX XXXX XXXX FL XXXX My information was sold and bought illegally because I was a victim of the XXXX XXXX breach. I want these items deleted from my credit reports effective immediately. Im attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. List all the negative accounts from your XXXX credit reports. Account names and account numbers. I always see it every day on my account that my personal information is ALWAYS AT RISK! I dont understand after many years and so many payments made to XXXX that I would have any type of data breach. I have proof of my data incident breach which I filed a claim for see attached. 

XXXX : Comenity Bank/XXXX XXXX  - {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Comenity Bank/Wayfair XXXX XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXX XXXX Comenity BankXXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Comenity Bank/Wayfair {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXX XXXX  {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX {$0.00} - XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX/XXXX  {$4000.00} - XXXX - I never gave anyone permission to XXXX this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX -XXXX XXXX {$520.00} - XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) and on top of it has another account open. I don't understand this at all. 

XXXX : Comenity BankXXXX XXXX  - {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Comenity Bank/Wayfair XXXX XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXX XXXX  {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX {$0.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX {$4000.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX )
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-31
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. (IL)

On or about XXXX of 2020, ( during covid-19 ) my purse was stolen and my personal information was compromised. Someone made inquiries to several places attempting to open accounts in my name. I asked the credit reporting agencies to remove these inquiries because I never made such credit request however they refused.
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

My name is XXXX XXXX and I have an auto insurance policy ( XXXX ) with USAA. 
On XX/XX/XXXXXXXX  I filed a vandalism claim ( XXXX ) and XXXX XXXX XXXX XXXX supplied the photos regarding damage and entire car paint job, and by XXXXXXXX XXXX a check was issued, but never received after ( 2 ) weeks had past. 
On XXXX another check issued via XXXXXXXX, but never received nor a slip from XXXX, in which the owner from XXXX XXXX has been waiting over ( XXXX ) more weeks, in which the adjuster, XXXX did nothing to track the XXXX  check. 
On XX/XX/XXXX another check was issued and on XX/XX/XXXXXXXX  I received email stating check cancelled due to one of three choices 1 ) check issues in error 2 ) contained an error 3 ) request to be issued payment to another payee. 
On XX/XX/XXXXXXXX XXXX XXXX issued another check to me via XXXX. This has been going on for over ( 1 ) month. These so called issued checks that never reaches it's destination is getting old. 
On XX/XX/XXXX I contacted USAA and I was told the XXXX package was delivered on XX/XX/XXXX at XXXX and signed by a XXXX XXXX 
Security at this location XXXX XXXX XXXX XXXX, New York XXXX stated that there is no security by the name of XXXX working here. 
The repair shop is not happy, I lost ( 1 ) month payment for car parking without a car to park, and created inconveniences and bad relationship with the repair shop. 
USAA should be held accountable for their ghost checks that has never been received to date. ( Amt. {$10000.00} ) I read that USAA had settled to pay 15 mil to US CFPB for unfair business practices, etc. 
ACTION REQUESTED : To have USSA pay the amount due for repairs and paint job to me or XXXX XXXX. 
I paid USAA ( 6 ) months payment on XX/XX/XXXX, thereafter automatic monthly payments. My payments are spot on.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P. (CA)

An account was fraudulently opened using my first name, a different last name ( XXXX ) and my Social Security number with XXXX XXXX Bank in XXXX. The address on the account was in Indiana. I live in California. The account was originally sent to collections with XXXX XXXX XXXX. They filed a claim with the XXXX XXXX XXXX XXXX in Indiana. I never received notification of the debt or court case. 

Since I was not properly served or notified, and was not able to dispute the debt, a judgement was placed against me, and my wages were garnished. Once I received notification of the garnishment, I disputed the account with XXXX XXXX. They stopped the garnishment process. 

In XXXX of XXXX, I was notified by my employer that my wages were to be garnished again for this same debt. I contacted the current collection agency, LVNV Funding and the attorney from XXXX and XXXX to notify them the account was fraudulent. The funds that were garnished in XXXX have been refunded and paid back via my payroll check. At the request of LVNV Funding, I sent a copy of a police report that was filed, along with a fraud affidavit to their office to have the debt be recognized as identity theft. This request was denied by LVNV because there were payments on the account, and there was a court order for the garnishment. 

1. The payments made on the account where the result of the garnishment. I did not willingly make a payment and have never accepted responsibility for the debt.

2. The judgment was made by the court because I was not properly served and did not have the opportunity to present any evidence that the debt was not mine 3. The name on the account does not belong to me. I have never gone by the name of XXXX XXXX. 

4. I have never lived at the address on the fraudulent account. 

5. Documents supporting these claims have been sent to XXXX as the account administrator for LVNV Funding.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-29
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. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2022-10-31
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. (MT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Advanced Collection Bureau, Inc. (AL)

I contacted Advanced collection bureau around XXXX XXXX 2022 in regard to a collection showing on my credit report made by them. I asked for the debt to be properly verified and a response was sent back with a printout of a contract that i didn't recognize along with a statement of charges i owe. i then responded with a letter of my own asking to show legal standing in my state i also requested several things be redisputed which were not and i also asked the company to cease any contact with me other than to notify me of the deletion of this collection from my credit report i still received a response going against my wishes and asking me to pay the debt after i submitted that i was refusing to pay. i also did not give them my express written consent to furnish information to a credit reporting agency they are in violation of many federal laws meant for my protection such as XXXX, b, XXXX, g, k
Consumer complaint received 2024-10-29
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. (FL)

To Whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

This is XXXX XXXX submitting this CFPB complaint to you today to inform you that I was a victim of identity theft and the Account you are reporting on my Credit File was the result of such crime. Under the Fair Credit Reporting Act, I have the rights to dispute any accounts and information that resulted du to identity theft and have them removed completely from my Credit File. Under the provisions of the Fair Credit Reporting Act section 605b, I am requesting that you stop your erroneous reporting and have the account : CAP ONE AUTO XXXX Balance : {$10000.00} ; removed from my Credit file as soon as possible. The Account I am disputing does not relate to any transactions that I have made or authorized.
Consumer complaint received 2022-10-31
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/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 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CT)

A debt was charged to my credit by a person with the same name. 
Called the debt collection company on XX/XX/XXXX, and they removed the debt from my credit. 
They reissued the same debt XX/XX/XXXX. 

This is not my debt. 
Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$1500.00} - - - Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1500.00} Original Creditor XXXX MOBILITY Past Due {$1500.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Consumer complaint received 2023-12-19
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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