davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (OH)

Dear Equifax Consumer Assistance, Subject : Request to Remove Public Record from Credit Report I am writing to request that you remove the public record listed on my credit report, which was disputed by me in XXXX and denied by your company. The record in question is XXXX XXXX XXXX XXXX XXXX ( XXXX  ) As you are aware, I disputed the accuracy of this information in XXXX, and I received a response from your company stating that the dispute was denied on XXXX. However, I was surprised and disappointed to see that the record remained on my credit report without any notation indicating that I had disputed it. The Fair Credit Reporting Act ( FCRA ) requires that creditors and consumer reporting agencies like Equifax provide a clear and conspicuous notice to consumers when they dispute information on their credit reports. 

Section 609 ( e ) of the FCRA states that " a consumer reporting agency may not furnish a consumer report containing a description of a bankruptcy petition or proceeding if the consumer has disputed the accuracy of the information with the agency and the agency has failed to verify the information. '' Since your company failed to verify the information and did not provide a notation indicating that I disputed it, I believe that you are in violation of this provision. 

Additionally, Section 623 ( a ) ( 2 ) of the FCRA requires that consumer reporting agencies like Equifax maintain reasonable procedures to ensure that the information contained in their reports is accurate and complete. Your failure to remove this disputed record from my credit report despite my dispute demonstrates a lack of reasonable procedures in place. 

Therefore, I am requesting that you remove this public record from my credit report immediately. 

I would appreciate it if you could take immediate action on this matter. Please confirm in writing within 30 days whether you will be removing the record. If I do not receive a satisfactory response, I will be forced to seek further action to protect my rights under the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : OFFICE OF THE ATTY GENER-OAG XXXX XXXX # XXXX, has violated my rights. 

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 information is inaccurate.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am writing to address a serious issue regarding my credit report. Upon reviewing my recent credit report, I discovered an unauthorized inquiry listed under my name, This discovery is deeply troubling as it suggests potential identity theft and unauthorized use of my Social Security Number ( SSN ) As a victim of identity theft, I take the security of my personal information very seriously. I have already taken significant steps to protect my identity, including closely monitoring my accounts and promptly reporting any suspicious activity.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system XXXX have found. 




Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX Acct XXXX : XXXX - Amount : {$200.00} Incorrect Addresses to be Corrected IMMEDIATELY : FROM : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed and/or corrected, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-07-09
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. (TX)

I have made repeated efforts to resolve the issue of fraudulent inquiries on my consumer report without success. These inquiries are entirely unrelated to me, and I am not responsible for them. Their presence has caused me considerable mental anguish and financial hardship. As an identity theft victim, I may have to pursue legal action if this isn't properly addressed. These false and fraudulent entries have prevented me from buying my dream home and adequately providing for my family. The impact on my financial health has been severe. I've attached a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc (CA)

On XX/XX/XXXX, I received a call from Williams and Fudg collection agency. During the call, I instructed them to cease contacting me via phone and to send any documentation, including proof of the alleged debt, to my address at XXXX XXXX XXXX, XXXX XXXX, CA. The representative on the call seemed displeased when I asserted this request. Kept calling numerous times after our call. I blocked the phone number because at that point the calls were literally unbelievable. 

Today, on XX/XX/XXXX, the same number ( XXXX ) repeatedly called my workplace, causing a significant disruption. They identified themselves as debt collectors and mentioned it was a personal matter to my colleagues. Since I work at a law firm, we initially thought the call was related to a client. However, the frequent calls over and over raised concern among the attorneys, who inquired if everything was alright. 

When I returned the call, they stated that the number I was calling from ( work numbers : XXXX / XXXX ) was not on their file. I told them to stop calling. They then requested my name so they can stop calls. But representative began remarking false specific reason for the calls. I told her I provided name so they can stop calling my work and that this was unlawfully. I provided my name again. XXXX began to disclose all my information name, birth and social asking if that was me. I reiterated my previous request to stop calling me and to stop calling my workplace because at this point they were violating my rights. She took down all my work numbers and said she will add it on the do not call. 

1hr later, our office gets another call. Everyone at the office stated at this point they are harassing you. I demand that they stop contacting me overall and they are violating me under the Fair Debt Collection Practices Act ( FDCPA ). I am formally demanding an immediate cease of this account. If not, I will sue for violation of FDCPA.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-13
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I am filing this complaint against ChexSystems , Inc. due to their improper handling of my dispute concerning a reported unpaid balance with XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Background : I had an account with XXXX XXXX XXXX, which was closed with a reported balance of {$470.00} on XX/XX/XXXX. The balance resulted from XXXX debit transactions and fees posted between XX/XX/XXXX, and XX/XX/XXXX. 
Dispute and Reinvestigation : I disputed this information with ChexSystems, asserting that the balance had been paid. However, in their response dated XX/XX/XXXX, ChexSystems stated that the information was verified as accurate by XXXX XXXX XXXX and refused to correct the information. Despite my dispute, the report continues to show the account as " unpaid. '' Lack of Proper Investigation : ChexSystems deemed my dispute as frivolous or irrelevant, even though I provided all necessary information to support my claim. They did not request any additional documentation or offer guidance on how to resolve the issue if they required further proof of payment. Their failure to engage in a meaningful investigation is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Inability to Obtain Proof : Despite multiple attempts to obtain a payment receipt from XXXX XXXX XXXX, I was only provided with an old statement showing a balance, which does not accurately reflect the current status of my account. Furthermore, XXXX XXXX XXXX advised me that if I had proof of payment, I should bring it into the branch, which implies that they do not maintain accurate or up-to-date records of payments. This further complicates my ability to resolve the dispute and underscores the need for ChexSystems to conduct a more thorough investigation. 
Ongoing Harm : The continued reporting of this erroneous information by ChexSystems is causing significant damage to my credit reputation and financial well-being. It has made it difficult for me to obtain financial products and services, and I am being unfairly penalized for an issue that should have been resolved. 
Request for Assistance : I am seeking the CFPBs assistance in ensuring that ChexSystems conducts a thorough reinvestigation of my dispute, corrects my consumer file to accurately reflect the paid status of the balance with XXXX XXXX XXXX, and stops reporting inaccurate information that is damaging my credit profile.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have sent numerous letters to the credit bureaus and also the original creditor. Neither have been able to provide the information requested on this account. I've also spoken with reps stating there's not even any activity on the account nor has there been any activity so I am curious to know why is there a charge. There's no type of device even on the account and this was stated on the call that took place with an XXXX XXXX XXXX name XXXX on a recorded line on XX/XX/year> around XXXX stating there's no information on this account and it would be thoroughly investigated. Here it is almost a year later and I have no heard anything back from them. I'm almost to the point of getting my lawyers involved because the credit bureaus are not really investigating these matters and not providing the accurate documentation that is requested from them. This is damaging my credit.
Consumer complaint received 2024-07-09
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-09
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. (WI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-07-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CUSTOMERS BANCORP, INC (NY)

I applied for a XXXX loan with Customers Bank. They were incompetent with handling that loan. On XX/XX/year>, I got a payoff letter from Customers Bank stating I only needed to pay {$16.00} to fully pay off the XXXX loan. 

But later down the line, when I tried applying for a XXXX loan, I was delayed for weeks because the XXXX said I actually needed to pay an additional {$3700.00}. Customers Bank 's XXXX department XXXX do anything to resolve this, so I actually ended up paying the {$3700.00} so I could get the XXXX loan.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Subject : Credit Report Discrepancies and Fraudulent Activity I am writing to formally dispute several inaccuracies on my credit report that require immediate attention and resolution. 

Recently, I have identified multiple items on my credit report that are erroneous and do not pertain to my financial history. These discrepancies have arisen due to fraudulent activities where my personal information was compromised. Attached to this correspondence are documents substantiating my claims, including police reports and official letters from the Georgia Bureau of Investigation confirming my status as a victim of identity theft and data breaches. As a result, the items listed below should not be associated with my credit report : - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Supporting deletion letter attached ) - XXXX XXXX XXXX Based on the supporting documentation provided, I request that these erroneous entries be promptly deleted from my credit file. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please inform me of the steps being taken to investigate and correct these discrepancies as per the Fair Credit Reporting Act. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (GA)

I am writing to formally request that you cease all communication with me regarding the debt you are attempting to collect. Pursuant to 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communications with me concerning this debt, including any communication through credit reporting. 
Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer requests in writing that a debt collector cease communication, the debt collector must stop all communications, except for the following exceptions : To inform the consumer that the debt collectors efforts to collect the debt have been terminated ; To notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by them ; To notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
This requirement was reinforced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX  ), where the court emphasized that debt collectors must adhere to a consumers request to cease communication under 15 U.S.C. 1692c ( c ). Additionally, any reporting of this debt to credit reporting agencies after this notice will also be considered a violation of the FDCPA. Any further communication from your office regarding this debt, including through credit reporting, will be considered a violation of the FDCPA, and I will pursue appropriate legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-03
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)

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised the bankruptcy is not accurate. said company had 4 days according to LAW to remove such items.

Consumer is now requesting EQUIFAX to provide the documentation used to determine bankruptcy was indeed the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report. If EQUIFAX does not have documentation to show the facts of this bankruptcy it must be removed asap. 


SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. 


I will be filing form XXXX treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I have an account that had the identity verified and received a payment to said account in the amount of {$1100.00} on XXXX. I chose to use Venmo specifically because it was verified in order to prevent any account suspension. 

The payment is from someone I personally know, XXXX XXXX, who is a XXXX XXXX XXXX XXXX XXXX, and we were friends on Venmo. I speak to him almost daily. 

I attempted to do an instant transfer and this was not allowed, so I did a bank transfer for {$550.00}. These transfers take 1-3 business days, and this was a XXXX  so I used the account throughout the weekend via XXXX  and XXXX  in order to have food. 

The transfer was blocked this morning XX/XX/12, and I was asked to verify my identity. I sent in the documents and reached out to ask if they could be looked at, especially as I was already verified and should not have had an issue. I sent in ID & my bank statement, just to be thorough. In looking through similar issues online, there are a lot of people that seem to have their account frozen and were not able to access their money ever. For me, I live check to check, so this was dog eared for basic/fundamental needs of groceries I was already stretched thin on, bills I have to pay in order to do my job, and transportation. I have been told there's nothing that can be done to look at it, the department that can work it is not accessible, and given no actual descriptor of what activity appeared fraudulent. I haven't received any update, there was no notification my information was even received, and I'm concerned I'll either live in this purgatory of losing what is now {$920.00} sitting in frozen funds or I'll have it unfrozen and try to use the service exactly as it's described to work and then have it happen again. 

I followed all the processes as required before receiving the money, and after having my account suspended. I am scared I will lose this, and I literally do not have access to food because of it/until it is resolved.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TomoCredit Inc. (VA)

I originally got a card with this company, but when i found out how the card balance was to be paid back. i cut up the card and threw it away. I even called and tried to call and cancel the card. I left numerous messages for them to return my calls. even explained that i had destroyed the card and threw it away. A few months later I noticed that they were trying to take money out of my bank account. I again tried to call them, but again I got a recording. I have tried to explain to them that I can not use a card that no longer exists. Especially since it is physically impossible. They did everything but call me a liar to my face.