davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX a lawful debt request affidavit was sent to XXXX XXXX XXXX I received none of what I requested XXXX XXXX XXXX sent a statement not a signed invoice.They sent a agreement signed by a third party for XXXX XXXX XXXX named XXXX XXXX corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no 3rd party can sign a contract on their behalf.They also showed no equal consideration.XXXX XXXX XXXX brought nothing of value to the table and had nothing to lose this company has had more then enough time to send documents i lawfully requested.XXXX XXXX XXXX has since sold the debt to a company name XXXX before verifying anything I requested and is now improperly reporting to credit report.XXXX XXXX XXXX has committed several crimes starting with. Anticipatory Repudication Criminal acts of XXXX XXXX XXXX 1.The contract was void-ab-initio because XXXX XXXX XXXX lied and never intended to lend a single cent of their own asset XXXX valid contract must have lawful or valuable consideration.The contract failed for anticipated breach.XXXX XXXX XXXX never planned to give the Buyer/borrower ( me ) any valuable consideration XXXX XXXX XXXX XXXX XXXX breached all its fiduciary duties to the buyer and is therefore GUILTY of criminal breach of trust by failing in its good faith requirement XXXX XXXX XXXX XXXX violated its corporate charter by lending credit or nothing at all to the buyer ( me ) and then charging interests on this make believe loan.Banks are only licensed to lend their own money not other peoples money.XXXX XXXX XXXX used the buyers ( me ) promissory note to clear the title which essentially purchased the property from the seller.The transaction is an ultra vires transaction because XXXX XXXX XXXX engaged in a contract outside its lawful mandate.An ultra vires contract is void or voidable because its non existent in law 6.Everyone involved in this undertaking with XXXX XXXX XXXX starting with the loan officer, lawyers and even central bank are equally guilty by association by aiding and abetting XXXX XXXX XXXX in its commission of its crimes against the buyer ( me ) XXXX XXXX XXXX XXXX XXXX and the others who profited from the ultra vires transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert in this joint endeavor to deceive the buyer ( me ) XXXX XXXX XXXX has sent me the same information THREE times! and fails to send the documents I lawfully requested and has had more then 30,60 even 90 days to send documents.Credit report should be updated immediately or hold XXXX XXXX XXXX and XXXX XXXX accountable for federal questioning regarding Anticipatory Repudication UCC 2-610.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

To whom this may concern, my name is XXXX XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( XXXX ) XXXX.
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand to Update PII and Delete Dated Information To Whom It May Concern, I am submitting this formal complaint and demand immediate action to update my Personal Identifiable Information ( PII ) and delete inaccurate information per - XXXX/Equifax/XXXX  ] XXXX 

My current information that requires updating is as follows : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Primary and Only Phone Number : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer Name : Empowered Talks and Stocks I demand that the following outdated information be promptly deleted : Despite repeated attempts my PII has not been updated, jeopardizing my privacy and potentially affecting my ability to receive crucial communications. 

I insist that you conduct an immediate investigation into this matter and ensure that my PII is updated accurately. Additionally, I request confirmation in writing once these updates and deletions have been completed. 

Failure to address this demand within a reasonable timeframe will compel me to pursue all available remedies under the law. 

Enclosed are copies of relevant documents supporting my current information. 

Thank you for your urgent attention to this matter. I expect prompt resolution and confirmation of action taken. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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. (KY)

In XX/XX/XXXX, I needed to purchase a new vehicle. I pulled my own credit report and found inaccuracies that needed to be corrected before I could apply for vehicle financing. I began the process of disputing unauthorized and unverifiable hard inquiries on my XXXX credit bureaus. Some have been successfully resolved with the creditors directly. The remaining inquiries are still reporting inaccurately. Furthermore, these creditors are reporting different dates for the inquiries across the XXXX bureaus. I contacted each company multiple times and was not assisted and no proof was provided to validate the inquiries or prove that I authorized my credit to be ran. The following are the inaccurate inquiries with 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 I am requesting that these inquires be deleted immediately in accordance with my rights to accurate credit reporting.
Consumer complaint received 2024-06-26
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 am disputing and requesting an investigation into the wrongful reporting of these accounts on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. According to FCRA 605B, we must report any incorrect accounts listed on a consumer 's report.
Consumer complaint received 2024-06-26
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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted the two Collection Agency and the accounts have be paid in full. Please remove XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following names are on my TransUnion report and I have disputed them and they have not removed it from my report. I have not used any of these names and I need it to be removed from my report. XXXX XXXX, XXXX XXXX or XXXX XXXX. Under the XXXX.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-05
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. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC (GA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX StatusAccount charged off Status updated XX/XX/XXXX Balance {$2600.00} Balance updated XX/XX/XXXX Dear XXXX Subject : Request for Removal of Collection I am writing to request the removal of a collection inquiry made on my credit report by JEFFERSON CAPITAL SYSTEMS The inquiry was initiated without my authorization, and it has negatively impacted my credit score. ALSO, CONTACT THE CREDIT COMPANY THEY OFFER TO REMOVE INQUIRY ON THE XXXX. Below are the details Date of Inquiry : XX/XX/XXXX JEFFERSON CAPITAL SYSTEMS Contact info Phone number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My Address at the Time of Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX have reviewed my records and do not recall applying for credit or authorizing XXXX  XXXX to perform a credit check. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information on my credit report that I believe to be inaccurate. And law section FRCA SECTION 605B Since this inquiry was unauthorized, I respectfully request that it be removed from my credit report. 
Thank you for your understanding and cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (TN)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : DISCOVER BANK XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/year> I sent a dispute to Equifax in reference to unauthorized reporting on my consumer report that included, incomplete account numbers, inaccurate address, and inaccurate information. On XX/XX/year>2024 I received a response via mail that they verified the disputed information. Equifax sent the letter response to the same mailing address. On XX/XX/year>2024, I sent certified mail to Equifax regarding the reinvestigation and procedures that they took to verify that information. Equifax received that letter on XX/XX/scrub>, 2024. Now on XX/XX/scrub>, 2024 Equifax sent me a letter confirming that they received my request concerning inaccurate information on my Equifax credit file. In this letter Equifax claims that don't have the proper documentation to process my dispute. This is a stall tactic from Equifax not to complete and abide by the FCRA, because they only have a 3 days left to be in compliance with the reinvestigation process. Equifax has not sent the itemized request and documentation, a long with measures used in the dispute process. Equifax claims that can't process my dispute because my documents were illegible, in reference to my proof identification. Equifax is using this a stall tactic which is deception because the same identification documents were used to process the initial dispute with no issues. Equifax is causing me severe distress and my anxiety is high, especially knowing that I diligently provided all the necessary documentation and information to process my request within the requested timeframe required by law. Equifax also recently deleted an account from my consumer report between XXXX XXXX,2024 and XX/XX/year>2024. An account that was originally included in my initial dispute. According to law, deletion is admission, therefore proves that there is negligence when it comes reporting inaccurate information, causing harm to my life and other consumers.
Consumer complaint received 2024-07-31
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: MOHELA (GA)

I contacted the credit bureaus and the student loan servicer, and they responded, stating that the information reported was correct within 24 hours. I was not notified where they checked or if they have copies of the original documents that were signed because the information that is being reported is not correct. I request the removal of the information until it is reported correctly because it has hurt my credit rating. After all, the closed account appeared open the same month it was paid in full. I graduated in XX/XX/XXXX and would not have had a loan after graduation. 
Incorrectly reported balance {$4500.00} current and starting balance incorrect potential duplicate XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$7500.00} current and starting balance incorrect potential duplicate XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$5500.00} incorrect potential duplicate XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$6000.00} incorrect potential duplicate XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX opened- XX/XX/XXXX Incorrectly reported current and starting balance {$2200.00} incorrect potential duplicate XXXXXXXX XXXX XXXX XXXX XXXX, Date opened XXXX XX/XX/XXXX Incorrectly reported balance current and starting balance {$9500.00} incorrect potential duplicate XXXXXXXX XXXX XXXX XXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3400.00} incorrect potential duplicate XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3200.00} incorrect potential duplicate XXXX XXXX XXXXXXXX XXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance XXXX and starting balance incorrect potential duplicate XXXX XXXX XXXX XXXXXXXX XXXX, Date opened- XX/XX/XXXX The open date for this XXXX is incorrect. XXXXXXXX XXXX XXXX XXXX XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct. 
The open date for this loan is incorrect. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I was scammed by a seller on XXXX XXXX. The seller stole XXXX dollars and never sent the item. I tried to dispute the transaction, giving my bank as much information as needed ( pictures tracking numbers, screenshots ) and was denied and told to dispute the option with the seller. The seller has blocked me on all platforms and denied my refund request, so I am unsure of what to do.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (GA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACIMA DIGITAL FKA SIMP Fraud Department XXXX XXXX XXXX XXXX FL XXXX, UT XXXX RE : ACCOUNT NUMBER ( s ) XXXX, XXXX Dear Fraud Team : I am writing to bring to your immediate attention a fraudulent account held under my name with your organization. I am victim of identity theft, I do not have a record of this account and any charges associate. 
I urgently request that you remove the fraudulent charges ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report showing the fraudulent items related to your company resulting from identity theft. Also enclosed is a responsibilies reder the fair sedit Reporting fed as an intermation furnisher to CRAS, The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I understand that this situation may cause some inconvenience, and I appreciate your understanding and prompt attention to this matter. Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report CFPB 's Notice to Furnishers of Information [ PDF ]
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (WA)

At the time I took this loan I advised the company I didn't understand how interested could be so high on a loan processed in Washington state..id had XXXX strokes at the time and the representative advised it's all perfectly legal when I advised them I was also concerned about the overall contract as I wasn't sure I understood I thought I had access to a different loan with possibly better terms but would take longer to get the money. I was advised no one else would give a better offer based on my credit... And that the fastest way to get my money was to just accept it feeling beaten down and defeated I finally accepted.now their saying they couldn't process a payment twice in XXXX money was in my account both times the second time my mom even loaned me the money for their XXXX fee that I didn't feel I should owe. Their interest rate is the equivalent of loan sharking final payoff would be over XXXX. Ive asked them to remove my auto pay authorization immediately I was advised I had a payment in XXXX I don't have the money I just paid them XXXX ; but even if I had it for XXXX payment it's due XXXX and they've blocked me from all payments online assuring the payment will be late anyways.they also wanted to charge me fees in more than my initial loan amount for a payment that would have never been late had they processed it properly other payments processed why not this one no explanation
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for the AMERICAN EXPRESS XXXX XXXX CARD on XX/XX/XXXX and was declined due to : " Information received from XXXX XXXX reporting agency " and " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' All of my accounts reflected on the credit report are in good standing and have never been in the claimed status. After a review of my XXXX data, and there are no accounts that reflect what this is status. I called the number listed in the decline letter, just to get an IVR that will not transfer me to a live person that can tell me what data the decline is referring to. I have included a screenshot of the decline letter and a copy of my XXXX Credit Report for review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX SS XXXX