davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-09-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MD)

On 3rd I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Hunter Warfield Inc. Collection Agency in XXXX  showing a balance of {$23000.00}. Hunter Warfield IncXXXX Collection Agency failed to respond to my validation letter as of XXXX XXXX. The uploaded attachment the letter that was mailed along with tracking information which shows when the agency received the letter.
Consumer complaint received 2024-09-19
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. (CA)

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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

According to code us 15 U.S. Code 1681 ( e ) 15 U.S. Code 1681 ( i ) any account on my credit report showing a charge off can be deleted
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-19
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-25
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: EQUIFAX, INC. (TX)

Hello, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. These inquiries were made without my consent and are the result of identity theft. 

The specific inquiries I am disputing are : Destiny : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXXXX/XX/XXXX: Inquiry Date : XX/XX/XXXX I did not apply for credit with these companies, nor did I authorize these inquiries. Therefore, I am requesting that these inquiries be removed from my credit report immediately. 



Please investigate this matter and remove these inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect to receive a response to my dispute within 30 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Against Equifax for Credit Reporting Issues Dear CFPB, I am writing to formally express my concerns regarding the ongoing issues I have experienced with Equifax, which I believe have negatively impacted my creditworthiness and character. 

Despite my efforts to address positive accounts in my credit report, Equifax has continued to misuse my credit report by removing a positive account that I've had over a year. This misreporting has resulted in significant consequences, including the denial of credit applications and increased interest rates, which have placed undue stress on my financial situation. 

I have attempted to resolve this issue by contacting Equifax directly, but my concerns have not been adequately addressed. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. I've also filed an FTC report Equifax did not have my written consent to access my credit report. 

I kindly request your assistance in investigating this matter and taking appropriate action against Equifax for their failure to comply with federal regulations. I am hopeful that your intervention will restore my credit reputation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, CFPB THIS IS THE 2ND TIME EQUIFAX HAS DELETED A POSITIVE ACCOUNT FROM MY CREDIT REPORT ALSO IM ATTACHING AN FTC REPORT MISUSE OF MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT AS WELL AS SCREENSHOTS WHERE THEY DELETED IT ON XX/XX/2024. IM ALSO SENDING THIS TO EQUIFAX 'S LEGAL DEPARTMENT AS WELL
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I signed up for XXXX synchrony car care cards. XXXX with XXXX  XXXX and XXXX with discount tire. I signed up for the online payment option and made payments on both last month online. When i went to log in this month to pay i was blocked from accessing my account. The statement on the website reads " This account may have been closed or blocked. Please contact customer service at the number on the back of your card. '' So i called customer service twice. Both times they refused to unblock the account. The first time, after XXXX minutes, they said they were transferring me to tech support. I then spent XXXX hours on hold before the call was disconnected. The second time they also refused to help. This time i told them to have tech support call me when they were available as my time is valuable and being a victim of there incompetence is not required to pay a bill. When i asked for paper statements they told me i would be billed for this. I refused to pay. I believe this is intentional to rack up late fees and junk fees. Why would i be required to spend XXXX hours on the phone without getting the situation fixed or pay a fee. Why would i be punished for their incompetence. Why would they block my online payment access and then bill me for it? I am a 100 % XXXX US XXXX  Veteran from the war in XXXX and this is triggering my XXXX. I have informed them of my XXXX on multiple occasions. I was forced to ask over XXXX times for paper statements before they honored this request. They are very very very intentionally refusing to solve their own issue in order to XXXX late fees and junk fees
Consumer complaint received 2023-09-02
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. (PA)

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 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: EQUIFAX, INC. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (LA)

I just looked on my credit report from Equifax on XXXX XXXX I saw some hard inquiries that did not have permissible purpose I also attached evidence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (PA)

CREDENCE RESOURCE MANAGE is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions CREDENCE RESOURCE MANAGE was informed THE FOLLOWING account information being FURNISHED to CREDENCE RESOURCE MANAGE and reported by CREDENCE RESOURCE MANAGE is in fact inaccurate and they continue to report. CREDENCE RESOURCE MANAGE is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by XXXX XXXX XXXX ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, CREDENCE RESOURCE MANAGE was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and XX/XX/2024
Consumer complaint received 2024-09-19
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. (CA)

I closed my account at XXXX XXXX  XX/XX/XXXX and moved out XXXX. Auto payment of mortgage to be canceled as I had set up bill pay of mortgage through existing XXXX acct. XXXX XXXX then debited closed account and overdrew it XX/XX/XXXX even though I had paid it for XXXX from XXXX. Received notice and saw branch XXXX XXXX XXXX XXXX XX/XX/XXXX who reversed NSF fee and confirmed payment. Mortgage statement in hand and provided here showed double payment in XXXX which they applied to XXXX and XX/XX/XXXX so I canceled XXXX payment. Did not know or was advised until recent that XXXX was also again trying to debit XXXX XXXX XXXX ( provided activity ) & stated no funds but account was closed! I made XX/XX/XXXX payment early XXXX from XXXX but received call from XXXX Bank XXXX XXXX and she said XXXX payment from XXXX XXXX did not go through so I paid it over the phone conf # XXXX but then on XXXX received another call saying possibly account number I provided was incorrect or representative imputed it incorrectly os I provided it again and was told then as well as on XXXX that the late fee would be reversed due to the confusion and that the mortgage was paid up, there would be no late reporting as that was my main concern as I have never had a late mortgage payment t in over 25 years and my credit scores were over XXXX. I was assured that that would be honored. Several months later I received a letter from XXXX that my personal information was compromised so I ordered my credit reports and saw that XXXX XXXX went against their word and did indeed report me on XXXX dropping my XXXX XXXX from XXXX to XXXX per Experian. I went to XXXX XXXX and spoke to same XXXX XXXX XXXX and he later contacted a XXXX the following day and the center said they would not reverse it.. I have sent letters to all XXXX bureaus, office of XXXX of XXXX XXXX and their internal mortgage dispute center and still have not had resolution. Per documentation provided, this is a blatant mortgage reporting error on XXXX XXXX ad I never received any calls or notices other than the mail and the calls I received in XXXX of which I immediately called the bank as well as went to the bank to resolve. Their mortgage statements also reflected inaccurate information which led me to believe that the issue I. may was resolved in XXXX.
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I accepted credit card payments through Square and they deposited the net proceeds into my bank account. I do business in XXXX XXXX, FL. Without my authorization, they issued a digital account and authorized fraudulent charges is another city. They mailed a physical card to another city, XXXX, Texas. I discovered the fraud when they did not deposit two transactions into my business checking account from : XX/XX/21 {$60.00} gross XX/XX/21 {$220.00} gross I have contacted them five times without response. They say that they stopped the physical card and closed the virtual account.
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Complaint Against Equifax for Misuse of Credit Report Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding the repeated misuse of my credit report. This is the second time that Equifax has closed my positive XXXX XXXX  credit card account without proper justification, adversely affecting my credit score and financial stability. 

Details of the incidents are as follows : 1. **First Incident** : XX/XX/year> XXXX. **Second Incident** : XXXX, XXXX 2024 I believe that these actions are unjust and detrimental to my credit history. I have made timely payments and maintained a responsible credit usage pattern. I request that the CFPB investigate this matter and take appropriate action to prevent further misuse of my credit information by Equifax. 

Please let me know if you require any further information to assist in this investigation. 

Thank you for your attention to this matter. 

Sincerely, CFPB EQUIFAX CONTINUES TO MESS WITH MY CREDIT REPORT CLEARLY THIS IS A VIOLATION OF THE FCRA PLEASE HOLD THEM ACCOUNTABLE FOR THIS ACTION. ALSO BY EQUIFAX DOING THIS IT EFFECTS MY XXXX SCORE AS WELL
Consumer complaint received 2024-08-16
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-28
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. (NC)

Two seperate letters were sent to XXXX, Equifax, & XXXX by certified mail. 
Most recent date being XX/XX/year>. 
These letters I sent were requesting proof this account had been verified or deleted because I have not contracted with XXXX XXXX. I have not received proof of verification of debt by any Credit Bureau or company. 

I reached out to XXXX XXXX by phone & they would not provide me with any info to the validity of the alleged debt or chargeoff unless I paid them XXXX which is extortion. 

I would like for this account to be removed as many of the consumer rights have been violated by XXXX XXXX & all three credit bureaus.
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (PA)

I recently view my credit report and noticed there were inquiries that I did not authorize which constitutes and Identity theft. I filed a Identity theft complaint " see attatched ''. I have included the inquiries within the complaint. I will also include them here : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'm submitting a personal complaint about late payments on my credit record. After examining my records, I've discovered these late payment entries. I sent letters about this issue more than a month ago, but haven't received any response or adequate validation. I'm now requesting your help to resolve this matter quickly and effectively.