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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Capital One Account XXXX XXXX Account # XXXX Subject : Request for XXXX Form and Clarification of Debt Status Dear Capital One I am writing in regard to an account that you have reported as " charged off '' on my consumer report. According to the information you have provided to the credit reporting agencies, this debt has been classified as a charge-off. Under federal law, if this debt has been charged off and effectively cancelled, you are required to issue a 1099-C Cancellation of Debt form for tax purposes. 
Request for 1099-C If the debt has indeed been charged off and cancelled, I formally request that you provide me with a copy of the 1099-C form that was sent to the IRS for my records and for tax reporting purposes. Under Internal Revenue Code, 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is discharged or cancelled.

Clarification of Reporting If you have not reported the cancellation of this debt to the IRS and no 1099-C form has been issued, this suggests that the debt may not actually be cancelled. In that case, your reporting to the credit bureaus is incorrect and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or incomplete information on consumer credit reports. Immediate Action Required I kindly request that you take the following actions : 1. Provide a copy of the 1099-C form f
or my records if the debt has indeed been charged off and reported as cancelled.

2. If no 1099-C has been issued, correct the inaccurate information on my consumer report and confirm that the account status has been updated accordingly.

Failure to provide the 1099-C form or correct the inaccurate reporting will leave me with no choice but to file a dispute with the credit reporting agencies and report this matter to the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any legal remedies available to me under the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-11
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-09-11
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. (NC)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-22
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)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-11
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. (OK)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (IL)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of payment history on my credit report with the account number XXXX. The violations under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681s-2 and 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), have caused significant emotional and physical distress. Despite the definition of " consumer report '' excluding reports containing information solely as to transactions or experiences between the consumer and the persons making the report, the inaccurate reporting of transactions on my account constitutes a direct violation of the FCRA. I request an immediate reversal of the account status to " Paid as Agreed '' or " OK '' status and compensation of {$1000.00} per FCRA violation.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Systems has been reporting an alleged debt on my credit report. I have not received any correspondence from this company of any verification or validation of this alleged debt. Southwest is in violation of my consumer rights by not providing verification and validation of the alleged debt in addition to not having a written consent from me pursuant to federal law to report any of this information to my consumer report. Southwest is attempting to collect an alleged debt that they have no first hand knowledge of and are just XXXX party debt collectors. No type of verification or validation was completed to verify if this is indeed a true debt owed by me. Having this report on my credit is a fraudulent, deceiving, misleading and illegal.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm filing this complaint because there are several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of data breach, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result the data breach and identity theft resulting fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Was CO  days late XXXX time ( XXXX ). Was CO  days late XXXX time ( XXXX ). 
In Dispute US DEPARTMENT OF EDU ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX - - Was CO days late XXXX time ( XXXX ). 
In Dispute XXXX XXXX XXXX ( Original Creditor : XXXX  ) - - XXXX XXXX Was CO days late XXXX time ( XXXX ). 
In Dispute XXXX XXXX XXXX XXXX XXXX - Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). 
In Dispute I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: 2233 Paradise Road LLC (TX)

Hello, This company Cash Factory USA stole {$1400.00} from my personal bank account for a loan I never applied for or initiated a application for. This company has yet to resolve this concern with me directly. I never agreed to take out a loan from this company called Cash Factory USA nor have I ever heard of this company before. The company has failed to respond to me and has done nothing to assist me. In XX/XX/year> Cash Factory USA Customer support team told me I would be issued a full refund for the these 10 payments totaling {$1400.00} would be refunded back to me. I've yet to see or receive my refund. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I surrendered this vehicle over to the company XXXX XXXX in XX/XX/year>. 

Since then, the company has continuously reported on my credit monthly as though the account is still open. 

The ending balance sent to my by XXXX XXXX is {$15000.00}. 
The most recent balance reported shows as {$16000.00}. They increase the balance every month, for an account that has been closed via voluntary repossession. 

The account is also reporting as an open account on my Equifax report. 

XXXX XXXX sold me the car at an extremely high interest rate, making it difficult to pay the loan off. After over a year of paying a never ending balance, I surrendered the car, yet XXXX XXXX is still tormenting me.
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

Fair Collections & Outsourcing XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2023 To whom it may concern Pursuant to your reference # XXXX and # XXXX the Fair Debit Collection Practices Act FDCPA youre required to provide a verification of debt including the amount owed within 30 days. 

My reason to challenge : 1 ) Carpet was cleaned prior to moving in padding could have been damaged then. 
2 ) I had no warning of damage or chance to witness it before getting the closing bill 3 ) I was not warned of a potential problem since there was a of inspection I week prior to moving out!

4 ) I was not provided pictures of the damage until carpet was replaced. I called and questioned XXXX XXXX XXXX XXXX about why we were not given an opportunity to witness a first-hand account of the damage, then and only then pictures were emailed. Pictures do not identify a particular apartment could be of any apartment the layout of every apartment is the same. 
XXXX ) Our dog is XXXX lbs and was walked religiously. The pictures show damage of a much larger species 6 ) I paid monthly Pet fees that were to cover any damages 7 ) Upon notice of moving out I was given an option of cleaning the carpet myself or pay {$250.00} for XXXX XXXX to do it. If the damage was that great why was I given the choice? You do not get 2 bits at the same apple! 

I will be filing a complaint with the CFPB Consumer Financial Protection Bureau and the Federal Trade Commission Pursuant to FDCPA Fair Debt Collections Practices Act, I am requesting you stop contacting me immediately!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
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 writing to formally submit a complaint regarding inaccurate and damaging information appearing on my credit report, despite my attempts to resolve the matter directly with the credit bureau ( s ). Specifically, this complaint concerns : Late Payment Status on XXXX XXXX Account : Creditor Name : XXXX XXXX Account Number : XXXX Issue : Inaccurate reporting of a late payment status
Consumer complaint received 2024-09-11
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. (NY)

I sent a letter to Equifax on XX/XX/XXXX. Disputing late payments on my credit report. I challenged the XXXX of my credit report also Dates XXXX XXXX  days later they sent note back saying it came back verified. Over XXXX months later. I asked for proof of verification, who they spoke to, letter showing I made a late payment.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
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. (PA)

This morning, I was really upset to find unauthorized inquiries on my credit report, and I cant figure out why theyre there. Everything seemed fine when I last checked, but today there were unexpected issues. I tried refreshing my browser, hoping it was just a glitch, but the inquiries stayed. This is incredibly frustrating, and I need the documents I've provided to be carefully reviewed to put an end to this problem once and for all.