davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-08-14
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. (LA)

I asked the XXXX XXXX to do a verification of everything on my XXXX XXXX  and they did, they stated that everything was accurate. I then did a through research myself and found improper inaccuracies on the credit report after the XXXX  through investigation. All XXXX XXXX  are reporting different scores and accounts which is XXXX 

" I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-08-21
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. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (AZ)

Dear Experian : Im bothered by the fact that your company sent me an updated letter stating you had verified this previously deleted inaccurate account. Why are you ignoring my request to remove this previously deleted account when you clearly violated the law when you added it back on to my credit report without notifying me? 

Creditors : XXXX XXXX | Account Number XXXX XXXX XXXX | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX Reason : Account does not belong to me, leads me to believe this is related to an identity theft case I was recently involved with. Also, inconsistent information is being report as both XXXX and XXXX are not reporting these account Instruction : Delete inaccurate information and remove fraudulent accounts Because of this, I have filed complaints with the following agencies : FTC, XXXX, attorney general, and attorney general in your state, Consumer Financial Protection Bureau. I will be filing more complaints with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Advocates for Fair Credit Reporting. 

The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA. Please remove the account. If you choose not to act, I will have no choice but to file more complaints and seek legal advice from an FCRA attorney. Attached is also a copy of police report. 

Information has also been mailed to Experian with all relevant documents to this case.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/23, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXXXXXX XXXX XXXX  I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into XXXXXXXX XXXX XXXX  inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible from my transunion report. But if XXXXXXXX XXXX XXXX  is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (RI)

I am currently a customer with XXXX, upon registering with them XXXX years ago I was made privy to a previously owed amount of {$100.00} which was from my final payment from my previous policy that had been returned due to my own error. Upon signing this policy it made me pay the PREVIOUSLY DUE AMOUNT of {$100.00}. I have talked to CCS ( Credit Collection Services ) for another completely frivolous debt that was insisted upon and that I was forced to pay due to their repeated threats to take legal action. This time, I had a positive experience with their representatives, but can not seem to get this taken care of. I have sent them two separate copies of my policy documents showing the payment of {$100.00} plus my term payment in full, yet they still will not drop it from my credit report. It has come and gone twice so far, and this time I want it gone for good. I am STILL a XXXX  customer, and am actually signing a new term with them this month after making all payments, on-time, consecutively, without issue. This debt was paid. Bottom line.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am asking for your assistance in dealing with this incorrect account that has been reported on my credit report. This issue has been raised because it has negatively affected my reputation, and I need your intervention. The way my credit report was handled has caused me great distress ; the false information has damaged my reputation. It is crucial that these mistakes are corrected so I can live in peace with my family.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is stating too many inquires as a denial and in the last 15 years I have not inquired fir any credit and XXXX Experian XXXX XXXX confirmed this statement is false from XXXX XXXX Amount of bank cards says to baby I only gave 1 bank account With one debit card again false reason Amount of credit available in bank cards I have no bank cards only a debit card which is my money again falsely stated by XXXX XXXX XXXX XXXX ran my credit 2 times one without my consent the same week. My credi was locked I actually called them to faster u received a call that I needed to contact them. I was told to unlock my credit and then they would check on my application. I asked specifically if my credit would be pulled I was told no! Recorded lines!!!!! 
Next day alert from Experian my report has a change! Now I have 2 inquiries in the same week. This is illegal and damaging. I called Experian and because I caught it the sane day they removed one inquiry. 


Still not thinking I would be declined I called XXXX XXXX which did not know I had the inquiry removed said they would correct their mistake and have the one inquiry removed and review my application! 

Careless because I had the lick removed and there should not be a second inquiry or a denial I want proof as to how they are showing too many inquiries What number and name of bank account they are referring as too many open And explain what amount of credit available on open bank accounts they are stating I have almost XXXX percent in used available credit which is good. They must not understand what available credit means My score is XXXX excellent in every scoring.. 

Need the inquiry removed because they are not even skilled at reading credit scores. They are intentionally responding with the same reasons that are false. They need to study what they are doing and understand how credit reports read!!!!
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Attached is all required documents they have requested drivers license social security card current bill approved police report and papers stating every fraudulent account
Consumer complaint received 2018-12-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed on XX/XX/2018 from XXXX credit report, two credit card accounts issued by Bank of America, which I did not open nor authorize. One of them has a balance of {$9900.00} but XXXX   credit report does not show the account number that I can track. I notified on XX/XX/XXXX to Bank of America Fraud Dept. that I am a victim of identity theft and asked for investigation. Bank of America could not locate these two accounts using my correct full name, social security number, birth date, nor the address. Bank of America told me I need to rely on XXXX for providing full details of fraud accounts to Bank of America to resolve the issue. I have so far disputed this fraud accounts to XXXX, initiated the fraud alert, filed police report, filed FTC Identity Theft Report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date. 
Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

( See attachments and supporting documents ) XXXX, XXXX, TransUnion shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing 2 filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on file
Consumer complaint received 2023-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

XXXX business practices to start. On XX/XX/23 I purchased a cheap sofa and 3 mattresses from a little shop in XXXX XXXX Ca. The shop owner advised he could finance the entire amount and all he would need is {$50.00} down. I was unaware that he was putting me in not 1 but 2 very high interest loans. He did explained it was for a 12 month period but he never said how much the payment would be. He pretends to be soft spoken and kind but he is a hustler and the worst kind, he prays on the poor. He creates an environment of chaos, acting confused and flustered stating he was late for church and continually looking at his phone. He also had multiple customer purchases going on while he was inputting my information making it difficult to ask any questions. One of the loans he put me in for {$1200.00} has a {$230.00} with an ending repayment of {$2800.00} after 12 months and the other one is for {$1000.00} with a monthly payment of {$140.00} and ending repayment of {$1700.00}. Ive already made 4 payments on each loan and this is just crazy. That I cant afford to keep paying on these loans
Consumer complaint received 2023-11-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CA)

I had XXXX internet service, but then I moved houses and called customer service to see if their service was available in my new area. I was told their service did not cover my area and instructed to return the router. I went to XXXX  directly and returned the router, I also called customer service at that moment. I was told by both the XXXX representative and customer service that my balance was at {$0.00}. A few months passed and XXXX sent my account to collections and made my credit score decrease a lot. I called customer service and a XXXX told me that it was XXXX error and that after returning the router a {$7.00} charge was generated and then increased to {$30.00}. She said that I was not responsible for that charge because I had cancelled the service and returned the router like instructed. The XXXX sent out an email to get my account removed from collection and provided me a confirmation code. She said it would take approximately 24-48 hours to resolve. A week passed and nothing was resolved. I called customer service again and another XXXX told me there is nothing he can do because the account was already in collections. I told him that this was abuse, and that I have never had a late payment in my entire credit history. I also told him that XXXX informed me that my account was at {$0.00} and then they generated a payment of {$7.00} dollars that I never knew existed. Then XXXX sent me to collections and my credit went down a lot. This for me, in addition to being unfair, is a FRAUD.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-11-20
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. (TX)

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.

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 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.