davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (AZ)

I am sending myh CFPB complaint today and This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX.
Consumer complaint received 2024-09-28
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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. (NY)

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 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. (WA)

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
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. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXXXXXX XXXX XXXX data breach, which raises concerns about the security of my personal data.
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. (SC)

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report, which were established without my authorization following a recent data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my right to have these items removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

On  XXXX   XXXX    XXXX   I received a call from a number that my wireless company had flagged as a likely scam which concerned me. I answered the call anyway and the representative told me they were from  Comenity LLC bank and w as financier of my  XXXX  credit card. She told me my account was 2 months past due even though I remember signing up for automatic minimum payments from their website. I made a minimum payment and wanted again attempt to sign up for auto magic payments. Another representative instructed me it can take several days before I am allowed to set up automatic payments. It is my feeling that this company puts this process in to place in an attempt to not allow customers to register for automatic payments. Every account I have with other banks is set up this way and I have always been able to do this either over the phone or most often online with no issue.     As a result of this companies processes or limited abilities they have left a negative mark on my  credit score an d have charged me late fees that I would have otherwise not been charged.     They lure people to apply by offering rebates and discounts, but slcharge an enormous interest rate. This along with the previously mentioned concern is unfair and creates a cost to consumers that expands beyond the services they provide.
Consumer complaint received 2023-10-06
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. (CA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I dispute these Items  US  BKPT CT NJ  XXXX  FILE DATE  XXXX  Account :  XXXX  AMOUNT  XXXX  must be remove  XXXX   XXXX . Account :  XXXX  Date  XXXX    Amount  {$500.00} must remove  XXXX . Account :  XXXX  Amount $  XXXX  I was never later DATE  XXXX   XXXX   XXXX  must be remove  XXXX   XXXX   XXXX  Account  XXXX  Date  XXXX  Amount {$1800.00}  XXXX    XXXX     XXXX  Date  XXXX  Amount {$1100.00}  XXXX  ACCOUNT  XXXX    XXXX   : ACCOUNT :  XXXX  Date  XXXX  Amount  XXXX    XXXX    : Account  XXXX  Date  XXXX  Amount  XXXX  previously with  XXXX . Equifax did not compile with the State Attorney General   Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation
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 status incorrect
Company: FORD MOTOR CREDIT CO. (NJ)

I was scammed  by Ford Motor Credit.  aprox  XXXX  of  XXXX  I received a call from them. I had been late on payment ( due t o 7 hospital v isits ) The woman asked why I was late. I explained as above. She said " you need to avoid a repossession or a charge off ''. I agreed. My regular payments were a little high due to medical bills. She said how much can you afford. I said if you could cut payment to {$200.00} a month, I could clear up medical bills and never be late payin g Ford ag ain. After she put me on hold, she came back on the phone and said " OK ''.     Upon checking my credit rep orts ( one tra de ine attached ) I noticed the account was listed as a charge off. I was floored and calle d Ford. After lot s of " run arounds '' I was told the first story that I agreed to a charge off. That is a lie. I wuld never ever do that esp. with small amount owed and it is a secure lo an (   XXXX   XXXX  truck ) to which they have title. I was getting no where with these people every time I called. Now on my latest call of mayb e two weeks ago , I was told the account was charged off BEFORE THE FIRST CALL FR OM FORD CREDIT.  What????? First off they would have repossessed the vehicle as it is worth {$15000.00}. That did not happen. I still have the vehicle and have never missed a payment since that first conversation in  XXXX   XXXX . I have attaches some statements.         Ford credits improper listing this account as a charge off caused me to be turned down by a car dealer and I can show you the inquiry if you like. They are killing my credit score. Ford is clearly breaking the FCRA and the FDCPA and in doing so continue to do great financial harm to me. I really need your organization to step in and make Ford correct this outright scam. It is my thinking they did this whole thing to gain from tax codes and possibly insurance on the account.
Please help me as I have written the credit bureaus and got nowhere. I gave attached proof Ford is receiving {$200.00}. a moth without fail.        XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX
Consumer complaint received 2024-09-10
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. (DE)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-29
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. (FL)

I contacted transunion about a collection regarding XXXX collection I have no knowledge about this collection which is located in Pennsylvania. Ive tried to have it removed and they wont make an effort to work with this fraudulently opened account. Please investigate this fraudulent account Ive lived in Florida for the past XXXX  years and my personal information was used without my consent. Transunion wont help remove this fraudulent account that doesnt belong to me. Please help and investigate. 

Thank you
Consumer complaint received 2024-08-27
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)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
I know that if the Bureaus did not conduct a thorough and independent investigation, including direct contact with the court, this could constitute a violation of the FCRA ( 15 U.S.C. 1681i ( a ) ( 3 ) ). In such a case, the FCRA requires deletion of the disputed information.
Consumer complaint received 2017-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Hello CFPB, On   XXXX   XXXX   XXXX   I sent a request for validation to  Port  folio Recovery regard ing a collection account that they are reporting on my credit reports for an amount of {$1100.00}. Since sending the validation request I have not received a response or the requested information in my request to  Portfolio Recovery . On   XXXX   XXXX   XXXX     I tried using my debit card the transaction was not able to go through. I called my financial institution and was advised the transaction did not go through because a freeze was issued by  Portfolio Recovery . I spoke with  Portfolio Recovery ,  XXXX    XXXX   XXXX   XXXX     after receiving the information from the bank.  Portfolio Recovery  confirmed since the validation of debt came back in their favor they were able to issue a garnishment and freeze my bank account but, never sent me anything related to the validation and insisted that I make arrangements on the debt.   Portfolio Recovery has failed to comply with my validation request and has failed to comply with Fair Debt Collection Practices Act,  USC 1692g Sec. 809 (  b ). I am hoping that your organization is able to assist me with resolving this matter.  Portfolio Recovery  has violated my consumers rights. Their practices are deceptive and unethical.   Since  Portfolio Recovery  has not sent me proof of validation and continue to report and collect on this debt which illegal. The collection agency need to remove the derogatory collection account from my credit reports and cease their collection efforts against my bank account and with my employer.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on my credit report.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian for Violation of 15 U.S. Code 1681n Dear CFPB, I am writing to file a formal complaint against Experian for violations under XXXX XXXX XXXX XXXX, which pertains to civil liability for willful noncompliance. 

( a ) In general, this statute states that any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for an amount equal to the sum of {$1000.00} or greater. 

( b ) Furthermore, it specifies that any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer or {$1000.00}, whichever is greater. 

I believe that Experian has willfully failed to comply with these requirements and has acted in violation of the law, as they have full access to my supporting documents which substantiate my claims. 

I kindly request that you investigate this matter and take appropriate action against Experian for their noncompliance. 

Thank you for your attention to this important issue. Should you require any further information or documentation, please do not hesitate to contact me. 

Sincerely,