davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
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. (CA)

Debt Validation Letter sent Cert Mail XX/XX/XXXX CFPB complaint 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 XXXXXXXX XXXX : Dispute Regarding Account [ XXXX ] and Failure to Provide Validation To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my credit reports and to address a failure to respond to my previous debt validation request. On XX/XX/XXXX, I sent you a formal validation letter requesting proof of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). As of today, I have not received any response, validation, contract, or any supporting documentation regarding this account. 

Furthermore, I have noticed that despite failing to provide me with the requested validation, you have continued to report information regarding this account to the credit bureaus. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as you are required to ensure that all information provided to the credit bureaus is accurate and substantiated. Since I have received no documentation or explanation from your company regarding the nature of this debt, I demand that all reporting of this account to the credit bureaus cease immediately and be deleted completely from my credit report. 

Please consider this letter a formal dispute of the account. I request that you provide written documentation verifying the details of the alleged debt, including but not limited to the original contract bearing my signature, itemized accounting, and any other evidence proving the validity of the debt. 

You have fail to provide this information, I will consider the debt invalid and expect that you cease all reporting of this account to the credit bureaus and stop all collection efforts, and delete the debt from my credit. Responding by telling me to file a complaint on another agencies doesn't mean that they are not responsible for supplying me with the Validation of this debt per my request. 
If this situation is not rectified promptly, I will consider pursuing legal action. This is my 2nd filing Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-28
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. (CA)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-09-28
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. (AL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OR)

I contacted Wells Fargo Financial and they continued to state and report to credit bureau that payment for XXXX XXXX was late. For {$410.00} minimum payment due in XXXX I made 2 payments for total of {$410.00} before XXXX XXXX XXXX as required as highlighted in copy of statement attached as a PDF file. 1st payment XXXX as seen on statement was paid online for {$280.00} and credited to account. 2nd payment XXXX was paid in branch for {$130.00} and credited to account. Yet letter from XXXX XXXX clearly states that they reported correctly and XXXX payment was late. How can that happened, when you see that they were paid for amount due and prior to XXXX XXXX XXXX. Both of them are highlighted in PDF files I am sending. As required by FRCA, since payment was for amount due and done prior to XXXX XXXX XXXX. Wells Fargo Financial is required to report was paid on time, not late as they reported.
Consumer complaint received 2020-03-20
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: Experian Information Solutions Inc. (GA)

I'm a victim of family Identity Theft. A family member opened unauthorized accounts in my name. I've submitted the Identity Theft Affidavit and corresponding evidence to the bureaus three times since XX/XX/2020. XXXX  has blocked the accounts. Experian and XXXX  have not blocked the unauthorized accounts. I'm trying to fix this asap as it is severely affecting my credit score and I need to purchase a house. I do not want to have to file a lawsuit  because with the coronavirus too much is going on in my life right now. I just need this fixed. Please help.
Consumer complaint received 2024-09-10
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. (NV)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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. (MA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information on my Equifax credit report. On XX/XX/XXXX, I initiated contact with Equifax to address the following discrepancies on my credit report. However, to date, I have not received a response from Equifax. Please find below the details of the inaccurate information and the necessary corrections : XXXX XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) : I dispute the reported Balance of {$1500.00}, as I recall the amount being lower. 
Request the removal of the Past Due amount, as this account is closed and charged-off. 
Request that Equifax mark this account as disputed to prevent any further negative impact on my credit score. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$7500.00} ) : The reported Balance of {$7500.00} is inconsistent with my recollection. 
Request a revision of the Past Due information, as it is inaccurate for a closed and charged-off account. 
Request that Equifax mark this account as disputed to safeguard my credit score. 

XXXX XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) : The reported Balance of {$1500.00} appears higher than my recollection. 
Since this account is listed as closed, the Past Due amount should not be reported. 
Request Equifax to mark this account as disputed while I address this matter with the creditor. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ) : I am uncertain about the reported Balance of {$2100.00}, as it does not align with my records. 
Given that this account is closed and charged-off, the Past Due amount should not be included. 
Request Equifax to mark this account as disputed to prevent further adverse effects on my credit score. 
Additionally, request verification of Date Opened, Date of Status, and First Reported for this account.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I disputed this bill, the company failed to send me a 30 day letter to dispute this bill. thats I do not owe, They contacted me email and text and multi calls everyday. I asked them to please stop calling me I didnt owe this bill. The continued to text and call me every day. I then wrote a dispute letter that I didnt owe the bill, they continue to call, and text me all hours of the day from XXXX. Everyday. The failed to dispute this account. Im resednign them a dispute letter again. They then told me if I didnt pay they would put this on my credit. The next week its on my credit report, after I disputed the bill with them.
Consumer complaint received 2023-07-15
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. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying accounts recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I used a Home Depot Credit card to purchase lawn equipment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which was supposed to be delivered on XX/XX/XXXX. After receiving a notification from XXXX that the package was delivered, I immediately called the XXXX XXXX XXXX center to inform them that I had not received my package and that the proof of delivery photo did not match my house. The representative said that they would contact the supervisor for the delivery driver and have them go back to the location where it was delivered. I waited XXXX business hours before calling for an update. I received a text notification that I should reach out to the shipper to file a claim. I called Home Depot to start a dispute and was informed that the investigation could take up to XXXX weeks to be resolved. I also reached back out to XXXX  to start a dispute on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Home Depot Services with the status update about the claim. As of XX/XX/XXXX, the claim was denied and they cited the XXXX  proof of delivery and documentation was provided with the letter. On XX/XX/XXXX I called XXXX to get a Case number to provide to Home Depot which could could possibly prove that I sent photos of my front door for XXXX  to compare to their proof of delivery photo in hopes that this would prove that the package never made it to my home. I was told that they needed a " XXXX XXXX '' in order to launch an investigation on their end. I then called Home Depot to fulfill that request and was told that I should receive a credit to my account within XXXX to XXXX business days and that the " Shipper waiver '' would not be necessary. On XX/XX/XXXX, I noticed that the credit was never issued on my Home Depot statement. XXXX also sent an email on XX/XX/XXXX to say that Under Terms and Conditions, the shipper did not request a signature to be required at the time of delivery and therefore they were unable to approve the claim. I called Home Depot to check the status of the refund and they asked me to call CITI Bank, which is the company who issues the card, to claim a refund. Citi Bank told me that they would launch their own investigation which would take an additional XXXX to XXXX business days. On XX/XX/XXXX, I called to check the status and was told that the claim was denied and they cited the same delivery information from XXXX. I reached back out to XXXX  and no one has responded. Citi Bank also said that Home Depot would have to approve the refund before they could issue a credit. I spoke to a supervisor at Citi Bank who started a conference call with Home Depot to possibly resolve the issue. After an hour of conversation, the result was that both Citi Bank and Home Depot told me that there was nothing that they could do since XXXX had the proof of delivery albeit to the wrong address. XXXX Tracking # XXXX XXXX  Case # XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Date : XX/XX/year> Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX : XXXX Number : XXXX : XXXX XXXX XXXX Customer Service Department XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Re : Revocation of Cease and Desist Order Dear Sir/Madam, I am writing to formally withdraw the cease and desist order previously issued under my name, regarding my alleged account associated with XXXX account number : XXXX or any related matters. 
This decision comes after careful consideration and a satisfactory review of the circumstances surrounding the issues initially cited in my original letter. Today speaking to a representative showed me a lot of incorrect information regarding this account, for example the email was incorrect, the phone number was wrong, and address on this account. I never receiving a copy of the contract, a deficiency notice or a redemption notice. I do not know if this vehicle was repossessed or totaled. I appreciate your cooperation and attentiveness in addressing my concerns. 
Please consider this letter as an official revocation of any restrictions or communication barriers previously requested under the cease and desist order. I authorize you to resume normal processing and communications regarding my account. 
Thank you for your attention to this matter. Should you need any further information to confirm this revocation or to discuss the account, please feel free to contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-10
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. (PA)

This is a long on going problem with XXXX and now XXXX. Please review previous complaints filed - # XXXX and # XXXX. I have now received a letter from XXXX  that they are again collecting on this debt that was dismissed in court in my favor due to XXXX NOT providing ANY proof that this is my account and debt. On previous complaint XXXX sent a reply that this would be resolved from my credit of all three agencies! I received a letter from XXXX now trying to collect on this. Further, I received notification from credit report online that the information reported by XXXX is correct as to being my account. To this date no one has provided any documents to prove this is my account/debt! 

Further, I am now taking the position that if this not removed from all three credit reporting agencies that XXXX and XXXX are blatantly ignoring a court order rendered in my favor and are now harassing on nature. 

I am now letting them know if this is not removed in 15 days from this date, I will be filing action against them.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

To Experian Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt 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 generalIf, 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. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
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. (MD)

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-11-01
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 contacting you to request the blocking and deletion of the following account and associated inquiries from my credit report, as I am a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$340.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

I purchased a car XX/XX/2021 the amount financed was {$12000.00} it was my first time buying a car off the lot so I wasn't aware of how they would take advantage of me. So as I'm reading my paperwork I can see that the car lot and bank is in a lot of violations. First they never explained to me the extra charges or the finance charges and when I went in I went for a consumer sales transaction but was charged a who different type of transaction I spoke with XXXX different people at the lot about the situation but to no avail I also spoke with the bank and all they did was send a copy of the paperwork I already have. They are in violation. 

Usc 15 1611 ( 1 ) give false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulations issued thereunder. 


USC 15 1605 ( a ) XXXX XXXX in connection with any consumer credit transaction shall be determined as the sum of all charges.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.