davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to dispute these inaccurate accounts on my credit 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 XXXXuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX {$220.00} XX/XX/XXXX TransUnion : 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 2024-07-25
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. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-07
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. (CA)

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few inquires and auto loan accounts. 

An auto loan account was opened : at XXXX XXXX XXXX on ( XX/XX/year> ) under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud
Consumer complaint received 2024-09-27
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. (GA)

Over the summer I went out of town and came back to find identity theft I noticed inquiries on my credit report that I never authorized and also accounts I have no knowledge of what they are in regards too, I submitted a dispute to Equifax and they denied on XX/XX/year> and said this information has to STAY on my credit report. Even tho they know its fraud ( I have a police report ). I would just like to resolve this matter ASAP as this preventing me from buying a home. I just dont feel like this is fair to punish me Im the victim here. Please ask them to remove these fraudulent accounts from my Equifax credit report.
Consumer complaint received 2024-09-07
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. (IL)

I am writing to this company the 8th time to dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7 letter and dispute I have sent to this creditor along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditors violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 7th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this creditor/company isnt honoring my identity theft claim. I am now pursuing litigation, I am suing this credit company, for AGGRAVATED IDENTITY THEFT, ILLEGALLY FURNISHING FRAUD ACCOUNTS ON MY CREDIT PROFILE, PAIN AND SUFFERING, AND DEFAMATION OF CHARACTER. This company did not honor my consumer rights as a citizen in America regarding my consumer credit file, this company ignored not 1, but 7 documented and certified complaints and letters regarding my identity being compromised. Under stated consumer rights law this company didnt protect, honor, or respect my claim and rights. I provided evidence, police reports, FTC reports, and supporting valid identity documents to verify myself throughout this 6-month process. This company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt. 

I DID NOT OPEN OR AUTHORIZE THESE ACCOUNTS, NOR WAS I INVOLVED IN ANY TRANSACTIONS ASSOCIATED WITH THESE ACCOUNTS. UNDER 18 U.S. CODE 1028 ( AGGRAVATED IDENTITY THEFT ), THE USE OF MY IDENTITY WITHOUT MY KNOWLEDGE OR CONSENT TO COMMIT FRAUDULENT ACTIVITY IS A SERIOUS FEDERAL CRIME. THIS COMPANY IS CONTINUING TO COMMIT A CRIME BY FUNISHING AND REPORTING ACCOUNTS UTILIZING MY IDENTITY WITHOUT MY CONSENT AFTER I MADE THIS COMPANY AWARE OF THE FRAUD, AND IDENTITY THEFT. THIS COMPANY BY LAW IS IN VIOLATION OF MY RIGHTS, AND THIS COMPANY IS A SUSPECT IN THIS IDENTITY THEFT CASE.
Consumer complaint received 2024-09-27
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)

I am filing a formal complaint regarding multiple fraudulent accounts and unauthorized inquiries that have appeared on my credit reports due to identity theft. Despite my repeated attempts to resolve these issues directly with the credit bureaus, these fraudulent accounts remain unresolved and continue to severely impact my credit score and financial standing. 

Summary of Fraudulent Accounts and Inquiries Being Disputed : Equifax : 1. XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Status : Derogatory 2. XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXX Status : Disputed 3. XXXX, XXXX. 

Account # : XXXX Status : Disputed 4. Inquiries : XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX : 1. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$280000.00} Status : Disputed 2. XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Status : Disputed 3. XXXX XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Disputed XXXX : 1. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Status : Disputed XXXX. XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Disputed 3. XXXXXXXX XXXX Account # : XXXX Date Opened : [ Unclear, verify date ] Status : Disputed 4. XXXX XXXX XXXX Card Account # : XXXX Date Opened : XX/XX/XXXX Status : Disputed 5. XXXX XXXX XXXX XXXX XXXX XXXXf XXXX ) Account # : XXXX Date Opened : [ Unclear, verify date ] Status : Disputed XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX  ) Date : XX/XX/XXXX Actions Taken : I have filed disputes with Equifax, XXXX, and XXXX and submitted necessary documentation, including a police report and an FTC Identity Theft Report, proving these accounts and inquiries were the result of identity theft. 
Despite my efforts, these fraudulent accounts and inquiries continue to remain on my credit report, causing extensive damage to my credit profile.
Consumer complaint received 2024-09-27
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-27
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. (CA)

I am writing to follow up on my previous dispute regarding the account listed below, which remains on my credit report despite my request for investigation. I am requesting an immediate reinvestigation of this account under the FCRA ( Public Law XXXX, XXXX VI, Section XXXX, Subsection XXXX ). The continued reporting of this account with inaccuracies is causing severe harm to my credit score. 

As part of this reinvestigation, please provide me with the names, addresses, and contact details of each individual or entity you used to verify and validate this account, so that I may follow up accordingly. Additionally, I request an updated copy of my credit report once the investigation is complete. 

- **Account Name : XXXX XXXX XXXX  - **Account Number : XXXX Please ensure you comply with Section XXXX of the FCRA, which mandates that inaccurate or unverifiable information must be removed from the consumers credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

These companies accessed my credit report without my consent, and it's taken a toll on my credit score. I contacted Equifax, and while a representative assured me these fraudulent inquiries would be removed, they are still showing up. This situation is causing me significant stress and anxiety, as it makes me fear I could be a victim of identity theft. Not only is my credit score suffering, but its also affecting my ability to secure loans or financial products, making it harder to manage my finances and adding unnecessary strain to my daily life.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: OneMain Finance Corporation (FL)

XXXX XXXX offer a reward program that if you make 6 consecutive payments on time you decide your reward, A decrease APR or increased credit line, so i made my 6th on time payment and I did not get to choose my reward, they gave me a decreased APR and i called them on XX/XX/2023, around XXXX and their stating that my credit rating doesnt qualified for increased credit line, and it does not state that on the rewards page, but i also was making {$50.00} payments instead of the minimum {$25.00} and i would like to have my credit line increased, because it states i get to choose its my way and i feel their taking advantage of people, cause they only drop XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balanced : {$80.00XXXX XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced : {$5300.00}
Consumer complaint received 2024-09-07
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: Experian Information Solutions Inc. (FL)

I am writing to formally address serious concerns regarding the handling of my identity theft dispute with Experian. On XX/XX/year>, I submitted a dispute to Experian, providing all required documentation, including a government-issued ID, proof of address, and an identity theft report, as outlined under the Fair Credit Reporting Act ( FCRA ). However, on XX/XX/year>, I received a response denying my request to block the fraudulent information on my credit report, claiming a lack of sufficient documentation. 

This denial is not only unfounded but also constitutes a clear violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, which establish the permissible purposes for the inclusion of information in consumer reports and mandate the blocking of information resulting from identity theft.

Specifically : 15 U.S. Code 1681b ( 2 ) prohibits the furnishing of consumer reports without a permissible purpose, and there is no permissible purpose for retaining fraudulent accounts on my report.

15 U.S. Code 1681c-2 explicitly requires credit reporting agencies to block information related to identity theft when proper documentation is provided, which I have already done. 
Your failure to comply with these provisions opens the way for civil liability for both negligent and willful noncompliance under 15 U.S. Code 1681n. Under this statute, a victim of noncompliance is entitled to {$1000.00} per violation. The continued reporting of accounts that were fraudulently opened without my express written consent constitutes multiple violations, as these accounts remain on my report without my authorization. 

This lack of action on XXXX part has resulted in further damage to my financial well-being, and I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not resolved promptly. 

I am requesting the following immediate actions : Immediate blocking of the disputed items on my credit report, as they resulted from identity theft. 
A written explanation as to why my request was denied despite my submission of all required documentation. 
Compensation for the damages incurred as a result of Experians negligent and willful noncompliance with the FCRA. 
If this matter is not resolved within 10 business days, I will pursue formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and explore civil litigation to address these ongoing violations of my rights. 

Please take immediate steps to rectify this situation and ensure full compliance with the law.
Consumer complaint received 2024-09-27
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. (KY)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentialities under 15 USC 1681. 

Accounts : # XXXX, XXXX XXXX XXXX XXXX XXXX the amount of {$1100.00} for XXXX XXXX. XXXX. XXXX. 
AND # XXXX, XXXX XXXX XXXX in the amount of {$1000.00} for XXXX XXXX XXXXXXXX XXXX 
has violated my rights.

15 USC 1681 section 602A. States I have the right to privacy.

It also states, in section 2 that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 604, A. Section 5 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681 S 2 ( A ) ( 1 ) states 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 in accurate.
Consumer complaint received 2024-09-27
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-07
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. (OH)

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/XXXX XXXX {$570.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

Re : Debt Validation Request for Account XXXX, Dear Midland Credit Management, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication regarding this debt on [ date you were contacted ] and wish to exercise my right to request further validation before proceeding with any discussions or payments. Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract.

2. Itemized breakdown of the debt amount, including any fees, interest, or other charges.

3. Proof of ownership showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

4. Details of the original creditor, including their name and contact information.

5. Verification of the statute of limitations, clarifying whether the debt is within the legal timeframe for collection. Please note that, according to the FDCPA, all collection activity must cease until the debt has been properly validated. I expect your response within 30 days of receipt of this letter. Failure to validate the debt may result in me reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and considering any further legal actions to protect my rights. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX