davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (FL)

Subject : Complaint Regarding Inaccurate Reporting and Violation of 15 USC 1692g - Account with SBNASELFLNDR ( XXXX ) Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against SBNASELFLNDR regarding the inaccurate reporting of a paid-in-full collection on my credit report. I believe this action may be in violation of the Fair Debt Collection Practices Act, specifically Section 15 USC 1692g. The details of the account in question are as follows : Account Information : Account Name : SBNASELFLNDR Account Number : XXXX Account Type : Secured Loan Responsibility : Individual Date Opened : XX/XX/2022 Status : Paid, Closed. 
Status Updated : XX/XX/2022 Original Balance : {$720.00} Balance : - Despite the account being marked as " Paid, Closed '' since XX/XX/2022, it has not been removed from my credit report. This inaccurate reporting is adversely affecting my credit score and financial standing.

I would like to draw your attention to the Fair Debt Collection Practices Act, specifically Section 1692g, which states : 15 USC 1692g - Validation of Debts ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer, and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

I am requesting a thorough investigation into this matter and the immediate removal of the inaccurate information from my credit report in accordance with the Fair Debt Collection Practices Act. I believe such action is necessary to ensure the fair and accurate representation of my credit history.

I have attached supporting documentation, including proof of payment and closure of the account. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
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. (FL)

This my last and final warning before I pursue legal action against you. 

Dear Sir/Madam, I am writing to formally request the urgent removal of unauthorized inquiries from my credit report, maintained by Equifax, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and following an unfortunate incident of identity theft that I have recently experienced. I discovered multiple credit inquiries on my report that I did not authorize. These inquiries are adversely affecting my credit score and may potentially have broader implications on my financial health. Under 15 U.S.C. 1681c-2 of the FCRA, which relates to identity theft, I am entitled to an expedited process in resolving issues stemming from such criminal activities. Attached to this letter, you will find a copy of the Identity Theft Report filed with the FTC, which details the nature of the theft and supports my claim of these inquiries being fraudulent. Given the clear evidence of identity theft and in accordance with the FCRA guidelines that mandate the removal of any information related to fraud from a consumer 's credit report, I respectfully request that Equifax address this matter with the urgency it warrants. Specifically, I seek the removal of the unauthorized inquiries within five ( 5 ) business days from the date of this request, to prevent further damage to my credit and personal finances. This is my fourth attempt to resolve this matter. I spoke with an Equifax representative on Friday XX/XX/XXXX XXXX, and while most inquiries were removed, some were mistakenly left on my report. Equifax needs to work diligently to get this fully resolved. Despite the FTC report being valid, Equifax has claimed it to be invalid. This matter is now being forwarded to XXXX, and I request that you monitor this situation closely for any negligence towards my request. Please find below the details of the unauthorized inquiries for your reference in the ftc report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

For almost 2 years I nor any intuition can see my Equifax credit report. I have called them several times and have sent them verification of my identity with ss card, income statements, copy of drivers license as requested. Every time I call back to see if they got the documents they always say they have not and to resend the items. Then i ask for a copy of my credit report to be sent to me via mail and they never send it nor can I obtain it through the free credit report website. I have no problems with the other credit bureaus showing my report just Equifax and it has caused me a lot issues of not being able to obtain loans. I don't know what else to do to get the issue resolved.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-06
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. (FL)

On XX/XX/year>, I went window shopping for a car with XXXX XXXX XXXX. I specifically told the salesperson who assisted me that I wanted to avoid multiple banks pulling my credit, and I wanted my information to be sent to just XXXX bank. She assured me that they would do exactly as I told them. However, that was not the case ; they sent my information to multiple banks. I did not end up buying the car because I had an emergency. I called the dealership the following day and told them I couldn't buy the car anymore, and the vehicle is with them. I did not even test-drive it ; I asked them if I could come back in the future when I could. That was when the dealership and the sales XXXX threatened me that there no way out of this loan and the financing bank had already paid them. I called the bank and explained my situation, and they told me that it usually takes a couple of days to finish the auto loan paperwork, and they will not release the funds to the dealership since the car is not in my possession. Still, the dealership continues to call me to come and take the car and still threatens me using the bank 's name. I called the bank XXXX XXXX, and they assured me they had yet to release the funds. They also told me they would contact the dealership to stop using their name to threaten me. 
Meanwhile, all these happened in early XXXX. To my shock today, this dealership got another financial bank named XXXX XXXX XXXX in my name without my knowledge. I could not believe it. This is unethical, and I need that loan {$33000.00} to be removed from my credit history. I did not have their car or even XXXX XXXX it. Please, this is urgent. I should not be paying for what is not in my possession. 
Thanks.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc. (FL)

There are several collections listed on my credit file through the same company. I never received a notice in the mail or actual verification and I have disputed several times. Please help, the information listed shows as follows XXXX accounts total GLA Collections {$1600.00} {$1000.00} {$560.00} {$560.00} {$560.00} {$560.00} {$560.00}
Consumer complaint received 2022-05-04
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: BARCLAYS BANK DELAWARE (TX)

I am a victim of identity theft. Someone opened a credit card in my name at the company Barclays in XXXX. I have never applied for this account. In addition, someone called Barclays on XXXX to dispute the account ( again not me, someone impersonating my phone number ), this caused Barclays to start and investigation which caused them to generate a letter to me at that time. I received that letter on XXXX and immediately called Barclays to dispute the account. I was told that the card was already being disputed. I then filed a police report, had affidavits of forgery and theft filled out. I have sent this information to Barclays who closed the original dispute from XXXX ( not me ) and said it was considered a valid account because they had phone records from XXXX to XXXX saying I called their company. Again, once I obtained my phone records confirmed they had no log of their number prior to XXXX and I have also sent this information to Barclays. Apparently, the person who stole my identity also spoofed my phone number. Also, I never received any statements from Barclays as they allowed the account to be opened with an old address and I never received them. This should have also been a red flag in Barclays application process as this was no longer a valid address. Also, Barclays allowed the person who called on XXXX to close the account with my new address which is how the letter they generated on XXXX was finally received by me on XXXX when I first learned of the theft. The forms I have sent to Barclays are as follows : Affidavit of Forgery ( Notarized ), Identity Theft Report ( FTC ) , County Police Report, Affidavit Identity Theft Victims Complaint and Declaration ( Notarized ), Copy of Driver License, and a Notice of Furnishers of Information and a Copy of my phone logs.
Consumer complaint received 2024-06-20
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. (TN)

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 XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I have been unable to access my Equifax credit report through Equifax 's website for over 2 months. Each time I try to access my report I receive a message that states, " We are temporarily unable to complete this request. Please try again later. '' I have called Equifax twice to report the issue -- each time I have been told that the issue has been 'escalated ' ; however, there has been no confirmatory email, nor has there been an communication from Equifax via the U.S. mail. I am still unable to access my report.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-06
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. (GA)

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-06
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. (CT)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-06-06
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2024-06-06
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: Experian Information Solutions Inc. (CA)

Good day! I am requesting for your assistance regarding with these wrong reported accounts on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and update the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-06
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. (TX)

RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 
XXXX XXXX XXXXXXXX OFFICE OF THE ATTY GEN XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
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. (CT)

I am desperately in need of vacating my apartment within XXXX months when my lease is up. Therefore, I need to initiate this complaint to investigate why Equifax, XXXX, and XXXX refuse to take reasonable measures in conducting their OWN investigations when this consumer disputes inaccurate and unfair reporting of data on my credit report. I have submitted several copies of my credit reports from the past and current. Upon your review, you will see the above-mentioned credit agencies, ALL have allowed CLOSED accounts to report false RECENT LATE PAYMENTS ( Please note that I have not been late on any account in nearly XXXX  years ). CRAs allow the creditor to continue to update my accounts with MISLEADING information. Such as, in XX/XX/XXXX, the CRA 's allowed XXXX XXXX  to FALSELY UPDATE A CLOSED ACCOUNT AS BEING REPORTED OVER THE LIMIT. ( Please note, that XXXX XXXX  initially reported on this closed account back in XXXX ). False manipulations of my utilization. 
Please note that upon calling these agencies, each informed me that they DO NOT conduct investigations they go by what the Creditor reports. Therefore, these actions committed by the CRA 's by not conducting their own reasonable measures in investigating how the accounts are being reported is a direct cause of me being denied an opportunity to get approved for housing. Please note that each time I dispute, my credit score drops between XXXX XXXX points. This is a retaliatory practice to deter consumers not to continuing to dispute inaccuracies because it blocks my right to rebuild my credit.