davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The items listed below are reported on my personal 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 in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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 XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-28
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 have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently reviewed a copy of my credit report, I noticed fraudulent accounts on my report these accounts are hurting my ability to gain credit. 

To verify my identity and avoid further delaying I have included a picture of my State issued drivers license, social security card and a bank statement for proof of address.
Consumer complaint received 2024-06-29
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)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$830.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-28
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 have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized the inclusion of this information under my name, as I have been a victim of identity theft.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the re-insertion and inaccurate reporting of the following accounts on my credit report. Despite previous disputes and successful deletions, these items have been reinserted without the required notification under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ). 

The following accounts have been re-inserted or inaccurately reported on my credit file : XXXX. XXXX XXXX  ( Experian and XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280000.00} High Balance : {$300000.00} Payment Status : Late 30 Days Last Payment : XX/XX/XXXX XXXX. XXXX XXXX ( Experian ) Account Details Omitted XXXX. XXXX XXXX  ( XXXX ) Account # : XXXX Approximately 30 days ago, I requested an investigation of these accounts, and I received a notification stating that the investigation was complete and the items were verified. However, I did not receive any supporting documentation or proof of verification, as required by law. To further support my dispute, I am submitting a police report indicating fraudulent activity, which directly impacts these accounts.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NJ)

My car was repossessed on XX/XX/2023. Reached out to the finance company Hondafinance, to make payment and put my account up to date. I had to wait for about 5 business days, for them to review my case. Once I manage to talk to my case worker, about making payments. I had to wait for an additional 4 days, for them to approve my case and tell me how much I have to pay. To get my vehicle back. Once I finally got an answer on the XXXX of XXXX, on how to go about making a payment. And told I have until XX/XX/XXXX, which is the official sale date. I immediately made payment on the XXXX of XXXX. Called with my payment confirmation, was given the info on where to pickup the vehicle. Once I called to setup an appointment to pickup the vehicle, I was told that it was already picked up and sent to auction. Keep in mind that the legal sale date was not until the XXXX. 

To keep long story short. My payments are now up to date, and I still don't have the vehicle. I call every single day and no one can give me a definite update. On top of that I'm being charged storage fee per day, and to transport the vehicle from auction site back to my hands. 

I believe this is an abuse. Today is the XXXX the XXXX. Still no answer, no one can get the vehicle to me. I'm spending {$150.00} daily for transportation for my family and to get to and from work. They are not helping are covering any damages. Please help, the car should be back in my possession.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-28
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. (TN)

On XX/XX/year> I received an alert that an unauthorized inquiry was placed on my report by XXXX XXXX. How is this possible when I placed a freeze preventing anyone from accessing it. I didnt authorize or lift the freeze on my report, nor did I give consent for anyone to check my credit. Please remove this unauthorized inquiry from my report and send me verification of the removal, thank you!
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, 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)

Recently I did an investigation on my credit report which caused an extreme XXXX  XXXX upon me I found unverifiable, invalidated, inaccurate, and questionable items that your company did't make sure it was reporting 100 % correct. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: J J Marshall & Associates, Inc (MI)

I disagree with the debt. I have filed a small claims court proceeding in XXXX XXXX court case # XXXX against the original debt collector. Please remove this debt collection from my credit report. 
Also, I requested the contract or a breakdown/ledger of alleged amount due via email to XXXX XXXX XXXX XXXX XXXX XXXX @ JJ Marshall to no avail, my email was not responded to, to date.
Consumer complaint received 2024-06-28
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-02
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: Self Financial Inc. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Lac Courte Oreilles Financial Services II (ID)

In the last 27 hours, this company has called me 6 times and sent me a text message. They are leaving messages stating they have my application in a pending status and they want to know if I want to move forward or cancel. I have never applied for a loan with this company. I am not even in financial distress that would warrant applying for a pay day loan.

This is an absolute abuse of solicitation and predator lending. This company has called me as late as XXXX. 

I replied to their text message to opt out but the calls continue.

My credit report hasn't even run in the last 90days, so I know I have not applied for anything. 

They have called me on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

I am writing this letter to bring to your notice the following information added to my credit report. The National recovery agency are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect, and I request you to revise the report after due diligence. This was added to my Credit report on XX/XX/year> with the amount of {$2100.00}. I have reached out by phone and they haven't been able to give me a response.
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Veripro Solutions Inc. (GA)

In the span of a yea-this company has harassed me for money that I do not owe them. They have referenced XXXX XXXX XXXX  who have never done business with. This company has so many lawsuits and complaints. They are in violations of my rights based on the laws that protect consumers. We never had any account with this company. This company has not provided any information regarding debt owed. We have sent a cease and desist to stop further communication of this company. We are seeking legal action against this company for continued harassment for a non existent claim that is without merit.
Consumer complaint received 2024-10-02
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: MID FLORIDA FINANCING LLC (GA)

I contacted Mid Florida Finance, located in Florida, regarding a fraudulent car loan allegedly originated in Georgia by the now-closed company, OK Carz. I informed the company that I have never had a car loan and that I am a victim of identity theft. In response, they provided a blacked-out photocopy of a state ID. Despite my explanation, Mid Florida Finance, specifically a representative named Ron, has continuously refused to remove the fraudulent account from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, creditors and credit reporting agencies are required to ensure that the information reported is complete and accurate. I exercised my right to dispute inaccurate information, yet this company has failed to conduct an appropriate investigation or remove the false account. This has caused significant damage to my credit profile, as the company continues to report inaccurate information, including a false claim that the account is under Chapter 7 bankruptcy.

The law also mandates that if a consumer is a victim of identity theft, companies are obligated to block fraudulent information from credit reports after being notified. Despite this, Mid Florida Finance has refused to correct the errors. This willful non-compliance is in violation of my rights under FCRA and constitutes a discriminatory action against me.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

The company ( Us Auto car sales ) went out of business XXXX of XXXX  & Westlake Portfolio Management took over all payments and finances. My concern is my payments havent been reflecting my principal balance & im paying more in interest since Westlake portfolio took over my payments. I have over 1,
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-06-28
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 formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.