davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This letter is a formal demand for Equifax to immediately block and remove fraudulent and inaccurate information from my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are legally required to take action within four ( 4 ) business days of receiving this complaint. 

The fraudulent accounts that must be removed include : 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 These accounts were not opened, authorized, or initiated by me. They are the direct result of identity theft and fraud, and their continued presence on my credit report is causing significant harm and damages. I have attached a list of these fraudulent accounts as well as a copy of my consumer XXXX credit report, which clearly shows these inaccuracies. 

Furthermore, I have attached a copy of my FTC Identity Theft Complaint ( No. XXXX ) as undeniable proof that these accounts are fraudulent. These accounts have been **removed and deleted** by other credit reporting agencies, yet Equifax continues XXXX inaccurately report them, causing ongoing harm to my credit standing. 

Your failure to properly validate the information provided by these companies is a blatant violation of the Fair Credit Reporting Act ( FCRA ), and I demand that all of these fraudulent accounts be REMOVED from my consumer credit report **IMMEDIATELY**. 

You are hereby instructed to DELETE these accounts without further delay and provide me with a corrected consumer credit report. Should you fail to comply, I will not hesitate to take legal action against Equifax under 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( i ) for the harm and injury caused by your negligence. 

This is your final notice. I expect full compliance with my demands and prompt resolution of this matter. Any further delay will result in immediate legal action.
Consumer complaint received 2024-08-07
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc. (FL)

I have sent a Certified debt validation letter. I asked for a credit report never received it. I am a victim of identity, theft, and nothing is happening. I need to get my life back in order as soon as possible. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. 
In requesting documentation none was provided. Due to identity theft this should be removed immediately
Consumer complaint received 2018-08-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (CA)

I completed a Loan Rehabilitation program with Nelnet and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. I sent a special written request directly to Nelnet. In whole, it stated : I'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any of the Nelnet/Department of Education loan - as specified in the terms of the Higher Education Act and the Department of Education. Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program Loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date and make all nine payments during a period of 10 consecutive months. Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

My sister XXXX XXXX XXXX, who has Power of Attorney for my Dad XXXX XXXX, tried to close out his checking account at TD Bank on or about XX/XX/2018. Despite submitting all the legal documents that were prepared by a practicing attorney specializing in elder law, TD Bank insisted that my father come in to close out the account. Since my father had been recently diagnosed with a fatal combination of XXXX XXXX and XXXX XXXX XXXX and was confined to a hospital bed, this was impossible. For the next 5 weeks, TD Bank kept making excuses and finding fault with the documentation that was prepared by a lawyer. My sister showed the exact same documentation to XXXX XXXX and they helped close out my father 's account at XXXX XXXX in 30 minutes. Finally, on XX/XX/XXXX, TD Bank agreed to close out my father 's account. My Father XXXX on XX/XX/2018. TD Bank treated my sister XXXX XXXX XXXX horribly. They kept her away from her XXXX father and added stress to an already stressful situation.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (OH)

XX/XX/2008 XXXX XXXX  court shows a balance of XXXX for a child restraint ticket. I contacted the court and was told this was paid in full XX/XX/2008. This report should show no balance and clear.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX, XXXX, XXXX AND XXXX have all been deleted as proven in the attached documents. Equifax has failed to remove the issue even when provided with the correct documentatio. This is a Violation of 607.Compliance procedures [ 15 U.S.C. 1681el ] B ). The Accuracy of report of my report has been incorrect for XXXX months now with a failure to investigate for XXXX months straight. These accounts should be erased as they do not belong to me. These accounts have been removed from XXXX when they ran the correct investigation but equifax has failed to do so. Equifax has repeatedly failed to run FCRA INVESTIGATIONS
Consumer complaint received 2024-08-24
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. (FL)

Fraudulent Account : XXXX XXXX XXXX Account # XXXX An auto loan was fraudulently obtained in my name due to identity theft. I did not authorize this loan or purchase the associated vehicle. This loan was not opened by me, and I only discovered it after noticing it on my credit report. The vehicle has since been repossessed, causing further damage to my credit. I have already disputed this with the lender, but the issue has not been resolved. I request the CFPBs assistance in removing this fraudulent account from my credit report.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a bankruptcy in XX/XX/2010. I included a mortgage with XXXX XXXX XXXX in that Chapter XXXX bankruptcy. The debt was discharged in XX/XX/2010. 

XXXX XXXX has left this item on my file for 8 years simply as a " charge off ''. I filed a dispute with the three bureaus to have this item updated as " included in bankruptcy '' and the status changed to " unrated '' as provided by federal law. 

XXXX  and XXXX  properly updated the record. But Trans Union simply changed the narrative to " reaffirmed '' ... ( the debt was NOT reaffirmed ) and left the status as a " charge off ''. Now it is possible an inexperienced clerk simply made an error making this " negligent non-compliance '' with federal law. 

XXXX XXXX - Account number XXXX
Consumer complaint received 2018-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC. (UT)

This company is nothing but incompetent. We called on XX/XX/XXXX requesting that our due date change be moved from the XX/XX/XXXX of the month to the XX/XX/XXXX of the month. We were told when we initiated the loan that after our first payment, this would not be an issue. We were NOT told that it was too close to the due date to change. We were told it had been taken care of. 

When we first called, they said it was taken care of and to check back in 72 hours. We did. We found out that instead of a date change, they had filed a deferrment, and our due date change wasn't even logged. No worries, as we still had time before our due date, and we could fill out the form again. They assured us that even with the forms, it was ok, because there is an 10 day grace period after the due date. So we did, we asked again. And again, and again. We were repeatedly told that our due date would be the XX/XX/XXXX, until well past the XX/XX/XXXX of the month. My husband had been the one calling, but I called on the XX/XX/XXXX to find out what was going on, and I was told there was no record of him even CALLING. When we called on the XX/XX/XXXX, we were told that now our account had been charged interest and late fees. We stated our situation, we were promised a due date change. We had " supervisors '' tell us that they would waive the late charges because of the previous employees mistakes. We What they didn't tell us, was that they would be charging additional interest for every day passed. 

I spoke with XXXX, who initially claimed he was management. This was a lie, as when I called again to speak directly to him, he said he would be forwarding a due date change request to management. Management has yet to receive any of our requests, so I am starting to believe this " management '' does not exist. I told him I would make our normal car payment of XXXX today, and escalate the fees and interest to management. He said it wasn't possible for me to make less than XXXX, which was the new charge with " interest ''. 

I told him I was done with the call, and would make the payment online, and he said that wouldn't be possible. I made the payment online after we hung up, another lie. 

We have been lied to, charged ridiculous fees for things we were promised would be resolved, and have been put through an intense run around. I am beyond fed up with this company, and they need to be investigated for their beyond shady practices. 

DATES OF CALLS : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (DC)

Discover Card - in its latest response - has provided this organization, and me, with information that it knows is incorrect. 

In its last response, it claims that it sent paperless responses and documents to an email address that corresponds to an email address that was included in its application. That email address - according to a XX/XX/2017 letter - was " XXXX. '' Upon sharing with them that I have never had an email address of that sort, they backed off. 

It wasn't until my most recent request for their method of delivering their statements are they now claiming that they email address they sent to the person that opened the account, is the same email address used on my correspondence to this agency, my email address : XXXX. 

So : 1. They can't provide anyone with a complete date when they got an application. 

2. There's a two-month gap between when they approved an application and when they mailed a card. 

3. They claim that they approved the account with supporting information, but refuse to provide the information they used when requested. 

4. They originally claimed - to me and to this agency - that they mailed physical statements ; now they claim that they emailed statements to the email address XXXX EVEN THOUGH they claimed to email statements to a XXXX address when asked about this is XX/XX/2017. 

REQUEST : I request that Discover provide this agency, and me, with proof of the email address they used to submit these statements. It shouldn't be hard to provide if you have an actual signed contract/application that you claim to have when you opened this account. 

Please keep in mind that I'm collecting all of your responses for the purposes of legal action.
Consumer complaint received 2024-08-24
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. (PA)

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 2018-09-28
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. (OH)

I'm XX/XX/XXXXI tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Credit Card account and XXXX Personal Loan accounts opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX ( XXXX ), XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXXXXXX XXXX XXXX  on XXXX XXXX under the account number ( XXXX ), and XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 maintained by you were not opened, made, or initiated by me. All 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 ) 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 2024-08-25
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. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.