davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (FL)

This company has been garnishing nearly {$8000.00} of my wages for about year for a {$5000.00} debt. Ive been trying to schedule a court hearing since last year to dispute it. The company wont respond and the judge is not doing anything about it. I even emailed both parties to stop garnishing my wages and refund the difference. The judge assistant response was to contact the companys office which I did, but I didnt get any response. Please help me to get the company to stop garnishing my wages and refund me the difference while I wait for my day in court.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXXXXXX incorrectly reported a 30 day late payment in XXXX, but it was there mistake and not on my account. They have reversed the issue on their side so that it shows my account was always paid on time and never late. The bank has also sent in ( several times ) the corrected information to the reporting agencies, but this has never been removed.
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: Wallace Management Company, LLC (MO)

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Account ( XXXX XXXX  ). Account ( XXXX XXXX XXXX XXXX ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely 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: CNG FINANCIAL CORPORATION (MO)

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Account ( Axcess Financial ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Consumer complaint received 2024-10-02
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. (PA)

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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
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: CITIBANK, N.A. (CA)

I am writing regarding the debt associated with Citi home Depot Credit Card. This debt is listed under my father, but I am only an authorized user on the account and have never used the card. 

Please review the account details. I request that this debt be removed from my records as it does not reflect any financial responsibility on my part. I Thank you for your attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I signed up for AutoPay on my federal student loans to benefit from the .25 % interest rate reduction. On my Income Driven Repayment plan, I am supposed to pay {$100.00}. I signed up on AutoPay to pay {$100.00}. I received a billing statement from Aidvantage telling me that they would be withdrawing {$270.00} from my bank account. When I go onto their website and look at my Auto Pay, it tells me how much I am going to pay on all of my loans, and that total adds up to {$100.00}. At the top of the window, it says " Amount of {$270.00} transfers on the XXXX of the month from Bank Acct XXXX {$170.00} is an additional payment above your Monthly Payment Amount. '' I did NOT authorize {$170.00} extra. I can not find anywhere in my account that says I did. I reached out to Aidvantage, who kept insisting I authorized it. I insisted I did not and they finally did a " view '' option that allowed them to see what I see, which is that there is no record of {$170.00} extra being authorized on my account and thus no way for me to change it since I never OK 'd it in the first place. The Aidvantage employee had XXXX explanation for this and merely submitted a " research request. '' When I followed up today, a week later, all an Aidvantage employee ( XXXX ) would tell me is that the research request is due to be completed tomorrow XX/XX/23. She said they would mail me a letter with the findings. My Auto Pay is set to come out XX/XX/23. I asked how they intended to solve this issue and how this could be prevented, and all XXXX would say was that the research request would be finished XX/XX/23. When I asked her to confirm that her company would not be committing a crime by pulling funds unauthorized from my bank account, she refused to answer me and disconnected the chat. Unauthorized withdrawals from a bank account are a crime both under federal and state laws.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MI)

I write political emails because I find the press and other entities become aware of the public 's views on issues. However, doing so makes me vulnerable to attacks and tracking. 

I am a 100 % XXXX Veteran and a XXXX  Veteran of XXXX years, XXXX XXXX and XXXX XXXX XXXX XXXX by the VA regulatory requirements. 

The lawsuit regarding the XXXX big reporting bureaus gave me lifetime protection from people searching me, et al. However, this does not work, and it is not doing this, and wants to charge me instead. 

XXXX, someone got into my XXXX email and took over my email. They called my contacts, to my credit union that I was XXXX ; I needed money and a lot of shenanigans. 

It was a XXXX account, essentially a bot, possibly XXXX. I go whoever took it over removed. However, it took a lot of workcomplaints to XXXX XXXX XXXX, the CFPB, the Michigan AG, & the FBI. 

I won a lawsuit for credit scams from XXXX of those lawsuits ; it was for the major reporting agencies. But it is supposed to protect me from scammers, i.e., " XXXX XXXX XXXX XXXX XXXX Now, XXXX wants to charge me for these services. 

I won the lawsuit a year or so ago. How do I find out why this is not being implemented or covered? 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (PA)

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX Subject : Formal Complaint Regarding Late Payment Reporting for XXXX  XXXX Account Dear Consumer, Financial Protection Bureau, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account, which I believe to be inaccurate and damaging to my credit report. This situation is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and associated regulations, specifically 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ).

Recently, I submitted a dispute regarding the late payment reported by XXXX XXXX. Under the FCRA, credit reporting agencies are required to conduct a thorough reinvestigation into any disputes filed by consumers. Despite my efforts, I have found that the late payment continues to appear on my credit report, adversely affecting my credit score and overall financial health. 

The failure of the credit bureau to accurately reinvestigate this matter constitutes a violation of the protection afforded to me under federal law. I have attached relevant documentation, including my dispute correspondence with both the credit bureau and XXXX XXXX, which supports my claim. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to ensure compliance with the law. I seek prompt action to remove this inaccurate late payment from my credit report and to restore the integrity of my credit history. 

Thank you for your attention to this urgent matter. I look forward to your timely response and a resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-01
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: EQUIFAX, INC. (TX)

I am reaching out to dispute the ongoing verification of an account on my credit report. The attached letters provide clear evidence that the information being reported is inaccurate. Despite this, your agency has continued to report the information as accurate without making the necessary corrections. 

This failure to address the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that disputes be thoroughly investigated and inaccurate information corrected. I am requesting that you immediately re-investigate this matter and update or remove the inaccurate information from my report.
Consumer complaint received 2024-10-01
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. (IN)

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 2024-10-01
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. (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 2024-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (TX)

Was sent a letter of unpaid tolls fees. said tolls where XXXX so I am being charged fees that do not apply such as admin, vol amb, violent crimes, civil penalty and civil penalty surcharge and all to a plate that was no longer MINE. I am being charged for XXXX tolls, XXXX for admin, XXXX for vol. amb., XXXX for violent crimes, XXXX for civil penalty and XXXX for civil penalty surcharge for each.,
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Consumer Name : ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : ( Private XXXX  ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Opened XX/XX/year>, XXXX XXXX opened XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-20
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-20
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to dispute an account that was opened without my knowledge or consent. The account in question, held by LVNV Funding LLC, was allegedly opened by an ex-girlfriend I dated 10 years ago. I have no affiliation or agreement with LVNV Funding LLC or Prosper Funding, the original creditor. 

This unauthorized account has had severe negative consequences on my creditworthiness, leading to credit denials and difficulties in securing residency. I believe this account 's presence on my credit report violates the Fair Credit Reporting Act ( FCRA ) and its provisions on accuracy and fair reporting. 

I have already contacted LVNV Funding LLC to dispute the account directly and informed them of my status as a victim of identity theft. Despite my repeated efforts to dispute the account, they have continued to report it as valid, disregarding my claims.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc. (AL)

This company XXXX XXXX XXXX XXXX just appeared on my credit report. I disputed this error and requested a copy of the original contract and proof of assignment since I never received any type of notice of the debt or how to dispute. The company sent a typed letter and some kind of ledger ( which is not a contract between myself and said company nor is it the proof of assignment ) I never received my debt validation letter or my XXXX  days to dispute the validity of the debt after receiving said debt validation letter from XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (MO)

I requested the charged off date on XXXX XXXX to be corrected on the credit report but they havent corrected it since XXXX dispute my multiple request. All dated since XX/XX/XXXX are incorrect including the charged off date and date closed. They reported that I made payment in XXXX when I did not and refuses to correct the information.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.