davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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)

My consumer report contains accounts associated with identity theft, which I never authorized in writing or with a wet signature. I recently informed your organization about this issue and am now formally demanding the immediate blocking and removal of these accounts from my report. Their inclusion has resulted in substantial emotional and financial hardship, as they misrepresent my credit history and obligations. If this matter is not resolved satisfactorily, I am ready to initiate legal proceedings to safeguard my rights and seek a resolution. These fraudulent entries have impeded my ability to reach critical financial milestones, including home ownership and providing for my family 's needs.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, 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. (VA)

Credit Bureaus are the biggest fraud against people in this country. Why do bad information rather pay off or keep showing up on credit reports while good reporting disappear. Why is XXXX  still consider a reputable reporting agency when it allow a massive data breach. XXXX, XXXX  and Experian are totally discreditable agencies. I do what they do I would be arrested for fraud. Why is my credit score 70 points different between the three? These agencies need to be investigated and regulated.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ME)

Dear CFPB, I am writing to formally raise a concern regarding inaccurate credit reporting by XXXX XXXX, which has been the subject of numerous disputes. Despite my repeated efforts to resolve this issue, the inaccurate information persists and continues to be verified incorrectly. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : Reporting of account status as repossession with an incorrect balance The account in question is consistently reported with a balance that is incorrect. This account was covered by gap insurance, which should have resulted in a zero balance upon settlement. Instead, the account is being reported as a repossession with an outstanding monthly balance, which is both inaccurate and misleading. 

This is also reporting with a monthly payment due of {$530.00}, which is also inaccurate considering the vehicle is charged off. 

I have previously disputed this account through the credit bureaus, but each time, it has been verified as accurate despite the evidence and documentation provided. The continual reporting of this inaccurate information is detrimental to my credit profile and financial well-being. 

I urgently request that the CFPB intervene in this matter. I demand the immediate removal of this account from my credit reports due to the persistent inaccuracies and the misleading nature of the information being reported. 
I would appreciate your prompt assistance in resolving this issue and ensuring that my credit report reflects accurate information. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-14
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. (IN)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
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. (PA)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AL)

Sent Certified Letters dated XX/XX/2019, XX/XX/2019 and XX/XX/2019 disputing a claim I have an {$1600.00} charge-off. Requested Midland Credit Management , Inc. ( a.k.a. Midland Funding LLC ) provide " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midland. Additionally, provide the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they " verified '' without any proof, bearing my signature. Requested, in each certified letter, a copy of any documents, bearing my signature, showing that I have a legally binding contract to pay Midland the  alleged amount.
Consumer complaint received 2020-05-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Dear XXXX Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Original Creditor ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. XXXX is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Original Creditor ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$60.00} XXXX XXXX XXXX  XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX  XXXX {$500.00}
Consumer complaint received 2020-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (IL)

On XX/XX/2020 I open a new checking account whit a cash deposit of XXXX $ account # ( XXXX ) The Banks Name : TCF Bank Address : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois PH # : XXXX On XX/XX/2020 The Bank put a hold on this account in the amount of XXXX $ Without any warning or paperwork for any reason why they are holding the XXXX $ from my account. 
So i called the bank and asked the reason why there is a hold on this account they told me that i owe them this amount from many years ago, so i asked the bank to release the hold on my Money the bank reply Refuse and told me to Authorize them to keep my money. 
Also I open another account on XX/XX/2020 account # ( XXXX ) in the amount of XXXX $ on XX/XX/2020 after they have put a hold of XXXX on my other account I withdrew the XXXX $ from this account and should have put this account in a new balance XXXX but the bank put this account in a XXXX $ balance.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This is in reference to the Inaccurate accounts being reported on my consumer report. I am asking that the records of these accounts be mailed to be. These inaccurate reporting have cause me to be denied for credit and moving into a home. This is not a third party filing this report My name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC. (TN)

AFNI Debt Collection is reporting a XXXX XXXX  account on my credit report. This collection was paid in 2018. I called AFNI on XX/XX/XXXX and XXXX requesting that the account be removed immediately from my credit report. AFNI requested proof of payment which was sent in by email on the XXXX of XXXX. I am currently in the process of attempting to obtain a mortgage which I explained to the customer service employees. The day that the account showed up on my credit report I had just had a mortgage company put in an application for a mortgage. I was denied because of this account. I only have a short time to shop around for a mortgage but I can not do that at this time because AFNI is reporting a collection on my credit report. I would like for this to be removed immediately from my credit report.
Consumer complaint received 2020-05-14
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. (WA)

This is the second time that this has happened, Experian deleted a valid credit card account from my report. I disputed Experians reporting incorrect info on my report. I did a 30 day free account, after the 30 days Experian deleted my XXXX card account from my report then used that as leverage to make me pay for there premium service, I did not want that I have a free Experian service through XXXX XXXX, now they have deleted a Excellent stellar as all my accounts are XXXX XXXX XXXX   XXXX  account I called XXXX XXXX and they said no account is great, I don't know what Experian is trying to do but I am going to contact a attorney at this point
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. (TX)

Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-14
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$270.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$350.00} XXXX XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX {$40000.00}
Consumer complaint received 2024-10-23
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. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XX/XX/2023
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with capital one 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!