davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (MD)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/year>2024 it's been 60 days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of equifax data breach. on XX/XX/year>2024 i sent a letter regarding inaccurate and unknown things on my report its been more than 60 Days they havent responded yet, i feel like they are taking their time and taken avantage of me by ignoring me. iwant these accounts to be removed. from my report as per FCRA section 611A. 
Isurely a victim of the equifax date breach.
Consumer complaint received 2023-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My insurance claim check which followed my New Rez mortgage was transferred to New Rez Shellpoint starting XXXX. The final check due to me XX/XX/XXXX was not sent but transferred to Shellpoint which I have received no written or electronic information on how to contact their claims check process. I called the company yesterday morning XXXX, was placed on hold for 20 minutes and hours later received an illegible voice message. I called back twice today and was put on hold upwards of 20 minutes each time after being transferred several times to unknowledgeable representatives who first told me there was no record of the funds and then that is was under a different servicer. Finally I was told the final payment of {$11000.00} would not be paid for 45 days and this is standard for new loans. ( My loan is not new - it is existing which was transferred to a renamed company ).
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again.
Consumer complaint received 2024-08-05
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. (SC)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which 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 {$1200.00} XXXX XXXX {$280.00} XXXX CARD XXXX {$2700.00} XXXX  XXXX XXXX XXXX XXXX {$4000.00} XXXX CARD XXXX {$16000.00} XXXX CARD XXXX {$2200.00} XXXX XXXX {$2300.00} XXXX XXXX {$2800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX with a balance of {$9300.00}. The original creditor is XXXXXXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Consumer complaint received 2024-08-05
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. (NC)

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 2024-08-05
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX :
Consumer complaint received 2024-08-05
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

An unauthorized individual ( criminal ) obtained my Citibank XXXX XXXX card ( either physical or number -- Citi refuses to verify ) and used my card over 10+ at various in-person merchants in CA beginning in XX/XX/2023. I never received a fraud alert until XX/XX/2023. I was using the same account in XXXX during the same time frame and spoke to a Citi fraud analyst to note I would be abroad and the only charges should be coming from overseas. 

Nevertheless, domestic charges occurred multiple times, at merchants I have never purchased at nor at a geographical location relevant to my Citi history : not my address, nor near where I established my Citi checking account over 15 years ago. 

Immediately upon receiving the DELAYED fraud alert I called and confirmed the transaction as fraud. I also clarified numerous other transactions as fraud, and have spoken to XXXX agents reiterating the issue. I asked my card be closed, so no further fraudulent activity could take place ( XX/XX/2023 ). 

Upon looking at my online account this morning ( XX/XX/2023 ), I not only see the note that I, the customer, am responsible for these erroneous charges, but that my previously closed account was reopened and my card unlocked, leaving it open for further fraudulent charges to just continue to take place. Not only did Citi fail to identify the initial fraud and notify me of such ( XX/XX/2023 ), they are refusing responsibility and then failed to even close the account and render it unusable leaving me susceptible to continued fraud.
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (CA)

On XX/XX/2023 i went inside the speedy cash pay loan day to pay XXXX cash and i did NOT got the loan back. I was going on vacation on XX/XX/2023. So decided to pay the loan off. On XX/XX/2023. They withdraw another XXXX of my account i contacted them on my vacation time arguing the issue. Yes, i did made a, mistake of not getting the received. As, i told the manager you should see the camera and see that i pay that the the full loan and not re load. i have been fighting this for a while. i have visit other payday an it look that we have a few employee that do take your money but DO NOT process the information of the payment and keeping the money. Now i explain to my back. The bank has the information that i withdraw XXXX on that day. Like i told my bank, after i withdraw the money around XXXX to XXXX minutes i when to pay speed cash advance right behind their office. i pay my load and theXXXX XXXX and they double charge and dont want to look at the camera to confirm what happened. There's some people that go to re-load their card and the clerk don't load the card. They have been stealing money for customers. The clerk that did my stealing, i go there and she smile at the situation and the other guy XXXX  XXXX  ones i walk in. Please i work so hard for my money to pay them and they want to steal my money. I lost time, gas, been under stress and health issues behind this people. please make sure that you request does video if they not erase those videos already. The manager she said her name was XXXX she give phone numbers to call but no good numbers. She was so rude she told me for me to go to a website and look for the video on that day. I told her you should look at them you have access. She said for me to do it. She also said that she wasn going to blame her worker. Like i told her i been coming here for a while if you didnt took my extra money i would not be fighting. I told her that they need to stop doing this things to their good customers. I say they don't fight but i did pay on the XXXX XXXX and i need the money that you withdraw extra from my card. Please help me with this matter .please look at the video. XXXX XXXX approximately between XXXX XXXX to XXXX XXXX  you will see me there. 
INformation : Speedy cash, XXXX  XXXX XXXX XXXX. XXXX XXXX. XXXX Manager XXXX maybe a wrong name too. please contact me regard this matter. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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)

I would like to follow up in regards of the repeated unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and numerous communications, these fraudulent entries persist on my credit report, causing significant harm to my financial standing and reputation. It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my creditworthiness and financial stability. I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such errors in the future. Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the credit reporting system. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute and request arbitration regarding inaccurate credit reporting on my consumer credit report. These inaccuracies are in direct violation of 15 USC 1681 ( Fair Credit Reporting Act ) due to the misrepresentation of credit limits and the subsequent non-compliance by your bureau in handling this matter. 

The following creditors and account numbers have been inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i attached the credit report with highlighted inaccurate misrepresentation of credit limits
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2024-08-05
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XX/XX/XXXX XXXX Greetings to whom it may concern, Equifax XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX. 


Please see all highlight activity which is considered to be fraudulent activity. 
Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Per 1681 ( e ) ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. XXXX  has failed to provide basic accuracy only displaying 13 out of 65 months of payments. Leave XXXX precent unanswered.
Consumer complaint received 2024-08-05
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. (FL)

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. 

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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX