davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXXXXXX XXXX {$8600.00} on XXXX the account number XXXX, an a collection opened at XXXX XXXX XXXX $ XXXX XXXX the account number XXXX, and another account opened at XXXX XXXX XXXX XXXX XXXX XXXX {$000.00} under the account XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies.. 

Consumer Name : XXXX XXXX Consumer Social Security Number XXXX Consumer Date of Birth : XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DIGITAL FEDERAL CREDIT UNION (MI)

I am REWRITING to formally resubmit the complaint to DIGITAL FEDERAL CRE regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2024-09-20
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. (MS)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX EXPERIAN XXXX 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-03
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)

To whom it may concern : I am reaching out to you because I'm concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it's essential that our records are accurate and up-to-date, which includes both customers and potential lenders or employers. After doing some research into Metro 2 compliance standards, I've found that there may be some inaccuracies in your reporting if these issues are not promptly resolved. Would love any feedback possible before taking any legal action against you.My credit report is a representation of my financial standing, and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate and authentic. Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate and never had any verification or compliance with reporting laws. So now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance, but it's currently not a representation of who I am financially because it's inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX 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 Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX - My name is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- XXXX would appreciate it if you could take care of any address that may be listed incorrectly in your database. My actual address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. If you have anything in your system that is different from what I have just mentioned then delete them immediately. 

SEE PDF ATTACHED
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

The following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. 
( XXXXXXXX XXXX  XXXX XXXX Date opened XX/XX/2016 Balance {$6400.00} ).
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-29
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 2024-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I misread what I signed up for because I have XXXX. I thought it was just a {$300.00} race fee and application and I ended up being charged {$3000.00} and Chase will not help me. This {$3000.00} is an unnecessary donation and it is not essential. I understand the race fee being taken but the donation costs more than my rent and I can no longer support myself. This was all a mistake on my end and I am completely caught off guard.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MO)

My ex wife was able to change my account info using her phone number XXXX, causing me to be late and fees added to my account that she is not on. US Bank verified over phone she did this as I taped the conversation with 2 different agents. She is causing my credit score to drop as well as missing payments as she would of been alerted to her phone. This never should of been allowed as US Bank is responsible for this matter and need to go after her for the charges and put my credit back in good standing. 

US Bank case number XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) Ally Financial balance {$92000.00}, XXXX XXXX XXXX balance {$22000.00}, XXXX XXXX XXXX balance {$810.00}.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX {$5600.00} XX/XX/XXXX XXXX  XXXX  XXXX {$5500.00} XX/XX/XXXX XXXX XXXX bank {$380.00}
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TN)

I have tried several times to get auto insurance, and I am being denied because LexisNexis has information that is not correct. They state in XX/XX/year>, I was involved in some sort of claim for an XXXX that my wife drives. They state they I was driving this car. I have tried a couple times to get this corrected, but they refuse. In XXXX of XXXX, I was in XXXX, XXXXXXXX  driving my XXXX XXXX. My wife was in XXXX, XXXX. driving her XXXX. The car was not mine. I did not drive that car. I could not have filed a claim because I had nothing to do with that car. 

Because they refuse to fix this, I am being denied insurance e or having to pay a lot for premiums. 

I wish they would explain how I could be driving this infinity when it is not mine and it was not even in XXXX  at this date in question. 

I want this taken off of my consumer report immediately due to deliberate acts of refusing to which has caused me unnecessary expenses.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I entered the Wells Fargo branch at XXXX XXXX XXXX, XXXX, NC XXXX and paid to have 3 checks printed for me, I immediately filled out 2 of those checks totalling {$1500.00} for my new landlord. One for the security deposit ( {$1100.00} ) and one for half a month of rent ( {$400.00} ). The following Tuesday at XXXX XXXX  I was contacted by Wells Fargo asking if I recognized the checks, I responded at XXXX XXXX  that I did recognize the checks, after confirming that I wrote the checks Wells Fargo responded that they did not require any additional action on my part. On Friday of that week I heard from my landlord that the checks had bounced due to mismatching signatures and that not only did I need to write new checks, I was also responsible for the {$50.00} fee that was issued because the checks were refused. I resolved to talk to my bank Monday because not only did I acquire those checks in person the same day I wrote them, but I also later affirmed to Wells Fargo that I wrote them when they came Into question the following Tuesday. When I went into Wells Fargo in person I was informed they couldn't waive the fee because it was my landlords bank, XXXX XXXX, that made the final determination and issued the fees, then when speaking with a banker at XXXX XXXX  I was told they would not waive the fee because Wells Fargo had made the determination that the signatures did not match well enough. I made one final call to Wells Fargo customer service where they were extremely unhelpful and borderline belligerent where it became obvious that they would not do anything about the fee and only wanted me to give up. 

In conclusion, I bought the blank checks in person, wrote them the same day, immediatly confirmed I wrote them when contacted by Wells Fargo, and now am being held responsible for a fee because of a mistake that happened between the banks, and neither bank wants to do anything to resolve the issue
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I recently reviewed my credit report and noticed account that was not reporting accurately. My student loan accounts that are reported outstanding and no longer outstanding and reporting an open balance, I provided you with my current Loan verification letter from my Lender XXXX my current balance is {$41000.00}. Experian, XXXX, and XXXX are reporting {$51000.00} which is over {$9800.00}. There are {$5500.00}, {$2000.00}, and {$2300.00} that are reporting on my credit each month that I have no balance on, and should be a {$0.00} balance/removed, by law you have to report information that is accurate. Review information and updated my credit report immediately and remove those account/amount off my credit report as they don't match what XXXX loan has, or I owe. You are illegally reporting information that is not accurate.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

The credit report from XXXX XXXX  shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score XXXX : 30 days late payment in XX/XX/. I am filing this complaint to get the payment missing reversed so that my credit score be improved
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 2024-09-15
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)

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at : XXXX XXXX XXXX Dear Sir/Madam : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-11-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (TX)

I went to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX And I Had some family troubles and left school before the semester ended. Everything was paid in full by XXXX to XXXX XXXX And I just ran my credit this year and seen a company nelnet Ive never received anything in the mail or any phone calls. It just hit my credit saying I owe an additional XXXX. Come to find out XXXX XXXX went out of business and sold their information to Nelnet. I called nelnet on 4 occassions and keep getting the same answer they wont provide any statements or documentation and go from XXXX to settleing for just under {$300.00} in just a quick conversation and they dont want to provide a reciepts, asking for my card over the phone. To me it seems like a scam and like they would just keep asking for money I dont owe this money as its already paid so why would I pay them anything. My biggest concern is that its hitting my credit