davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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. (AR)

Subject : Request for Trafficking Victims ' Block on Consumer Reporting Agencies Date : XX/XX/year> Dear Sir/Madam, I am writing to formally request the blocking of certain information pertaining to my trafficking victim status from my credit report. The details listed below, which are currently appearing on my credit report, are directly linked to my trafficking experience. 

- XXXX XXXX # XXXX - XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX - XXXX # XXXX I kindly request that you proceed with the blocking of this information from my credit report within a period of XXXX business days, in accordance with Section XXXX of the Fair Credit Reporting Act. Additionally, I would appreciate it if you could provide a formal notification regarding the actions taken to address this matter promptly. 

I am grateful for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arkansas XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

XXXX XXXX account opened XX/XX/XXXX for credit limit {$4800.00} charge off XX/XX/XXXX {$5600.00} Would like this account removed from my credit report as soon as possible. If not please send me proof of this account.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMENT NEEDED AND LETTER FROM AADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT BONDAGE, WHCIH FALLS UNDER XXXX ACCORDING TOXXXX- DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5 -- 1002.142 ( B ) ( 7 ). I KINDLY REQUEST THAT YOU BLOCKING THIS INFORMATION FROM MYCREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIT CREDIT REPORTING ACT. IAM A XXXX OFXXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED COMPANYINFORMATION XXXX. PLEASE DELETE THE FOLLOWING ACCOUNTS. XXXX XXXX XXXX XXXX {$490.00}, {$1600.00}, XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX CLOSED, XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX  XXXX {$2100.00}, XXXX XXXX XXXX  XXXX {$170.00}.
Consumer complaint received 2024-08-12
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)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-11-12
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: ALLY FINANCIAL INC. (GA)

Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
Consumer complaint received 2023-11-13
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 my OTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged extortion. 


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
Consumer complaint received 2023-11-13
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: NAVY FEDERAL CREDIT UNION (GA)

Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
Consumer complaint received 2023-11-13
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. (MI)

I sent a letter to Equifax to reinvestigate these accounts on XX/XX/2023 tracking XXXX # XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX 
Account : XXXX Account Name : XXXX  XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Equifax- Investigation was completed on XX/XX/2023. Confirmation # XXXX However, they stated all accounts was 100 % complete and accurate. 

But how is that possible if there is still incorrect, inaccurate reporting date of last activity, open date, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that arent reporting correctly. If all information is not 100 % correct and accurate -- accounts must be deleted per consumer law.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have more evidence to prove my case Furthermore, they didnt even record the current status of the disputed information which is another violation.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I hope this letter finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have identified outdated or incorrect information related to these accounts, and I am eager to ensure that my report accurately reflects my current financial situation.
Consumer complaint received 2023-11-13
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. (CT)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-09-17
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXXXXXX 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 - XX/XX/year> XXXX. XXXX - XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-11-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Stride Funding, Inc. (VA)

My complaint against Stride Launch Servicing for their unjustified loan charge against me. In XXXX I signed an Income Share Agreement ( ISA ) with XXXX  for my XXXX XXXX XXXX XXXX  in XXXX. As per the terms of the contract I was supposed to pay 15 % of my monthly salary as an instalment after my employment for a period of 36 months ( which may be extended up to 48 months ) until I reach the highest cap amount of {$34000.00} if my income is more than {$44000.00} yearly. But if my income is less than the threshold income, I would pay {$0.00} dollar until my income reaches the threshold. The payment would automatically stop when I fulfil either of the conditions such as paying the highest cap or reaching the 48 months, whichever comes first. First two years I didnt have to pay instalments since my income continuously was below the threshold income and my payment was deferred to the next year. Incidentally, my account was transferred to Stride Launching Services ( LS ) in XXXX. Stride LS sent me an email, asking me to open an account and start paying my instalment. Accordingly, I opened an account in their Stride portal and sent them a message, informing them that, since my income is below the income threshold, I am not liable to pay my ISA payment. I sent my tax return documents as proof. In return, they informed me that they may need more evidence or proof of my income such as w2/1099 ( message copy enclosed ). They asked me to submit proof of my wife 's income too as evidence. Accordingly, I started to make regular correspondence with Stride over the phone sending messages to know about my status and asking them about my next course of action ( message copy enclosed ). But surprisingly without giving me any reason, they started charging me a monthly instalment of {$980.00} showing a fictitious yearly income which doesnt reflect in my actual yearly income as per my documents. Denying their claim, I gave a number of reminders to them and requested them to re-evaluate my yearly income ( message copy enclosed ). At one point I was told to submit my all W2/1099 as proof of income for the year XXXX by one of the support team members of Stride LS when I contacted them over the phone. But they kept on pressing me to pay my past due amount of {$3900.00} or my account would be delinquent and will be sent for collection. Time and again I asked them to correct my yearly income statement, but they are neither denying my claim nor they are taking any action to correct the income statement for unknown reasons. It has become a great concern for me and I am feeling helpless. 
enclosed : Attached are the documents of the exchanged messages with Stride
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I reviewed my credit file late  XXXX    XXXX   and there is an account reported by AD  Astra Services.  I sent a request to the company to verified this debt. I received typed document that have no identifying information that ties this debt to me. The account is showing paid ; however, this company has not provided me with the legal supporting documents that is related to this account and how it was paid.
Consumer complaint received 2024-08-12
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. (GA)

Equifax is reporting four inquiries which have been reported as Identity theft filed along with a police report from the XXXX Police department. The XXXX inquiries are the following : Hard Inquiries- XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( On XX/XX/XXXX this Inquiry was reporting on Equifax as " XXXX XXXX XXXX '' with the same date of - XXXX ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX In response to my written request for information about the Hard inquiry, to include a copy of the application, XXXX XXXX sent correspondence indicating they would require full account numbers and other information before they would respond to my request. 

On XX/XX/XXXX, XXXX XXXX sent written correspondence informing me that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX a request was sent to the Consumer Reporting Agencies ( CRAs ), asking them to remove the hard inquiries dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-08-12
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-13
Product: Credit reporting 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 have diligently contacted your organization multiple times to dispute the fraudulent items on my credit report. These items are not a true representation of my financial history and have caused significant harm to my credit score, making it difficult to obtain loans, secure favorable interest rates, and meet my financial goals. 

I have attached the following supporting documentation for your review : Copies of all correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence proving the fraudulent nature of the items, such as police reports, affidavits, or other relevant documentation. 
Any documentation highlighting my responsible financial behavior and positive credit history. 
Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. 

I am formally requesting an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX OF XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$6800.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ME)

When I was illegally foreclosed and evicted from my home on the hill ( XXXX XXXX XXXX, XXXX XXXX XXXX ) in XXXX the tale of the story of my first complaint ( and currently being reviewed ) is only half the story. 

I was a XXXX XXXX XXXX ( 3 states ) and operated my XXXX ( since established in XXXX ) out of my home on the hill... the illegal foreclosure and eviction caused a major disruption to my practice where we lost ( phone, internet, mailing ) and all contact with my clients of over 40 years..I struggled to reestablish some contact but my files were in storage along with most of my equipment and field supplies... I eventually gave up trying to salvage my XXXX  which could have been sold but was then worthless. 
It is now time foo Wells Fargo to make amends. As I said in the original complaint I received at settlement payment of {$6000.00} ( the maximum for the worst abuses ) in XXXX which I tore up and mailed back the pieces with quote from the movie XXXX XXXX XXXXXXXX, " What we have here is a failure to communicate! '' So that's my story and it's a true. 

I am that I am .... 

Thanks, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This is not a duplicate request nor filed by a 3rd party credit repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S. Code 1681c-2 ) that you, Experian a consumer credit agency, block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUINT NUMBER : XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections and or hard inquiries as reported. The aforementioned accounts, collections and or hard inquiries, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts ; collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint, FTC Report Number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2024-08-12
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've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX  Date of inquiry XX/XX/2024 XXXX  Date of inquiry XX/XX/2024 XXXX  Date of inquiry XX/XX/2024