davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX OPENED AROUND XX/XX/XXXX UNDER ACCT # XXXX XXXX UNDER ACCT # XXXX XXXX  OPENED AROUND XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-05-21
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. (TX)

I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Consumer complaint received 2024-07-08
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. (CA)

I have repeatedly tried to resolve the issue of false, incorrect, and misleading information on my consumer report, but the problem persists. These inaccuracies have severely affected my life, causing considerable distress. I must emphasize that I never authorized this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-06-15
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: Experian Information Solutions Inc. (FL)

I've attached some document showing that there are two accounts with the same account number and it's a violation and one of the accounts states that it has been sold to lender but still showing up on my credit report and then you have the other account that has totally different information.
Consumer complaint received 2024-05-21
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. (TX)

I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Consumer complaint received 2024-05-20
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)

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 XXXX out of XXXX 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. these are the accounts : Incorrect Name 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 2024-05-21
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.
Consumer complaint received 2024-05-20
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. (IL)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Consumer complaint received 2023-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (NM)

I was living in a duplex apartment and out of nowhere, the landlords sold the blg without giving me time to find another place to live. I was told by original landlords that they " didn't want to deal with the apartment because they were getting quite elderly and it was too time consuming and that they found a buyer. They literally had someone come in while I STILL lived there to view it and the following week they sold it. I was told by my original landlords that I had to vacate by the end of the month ( this was mid XX/XX/XXXX ) so the new owner could shut things down and began renovating the duplex. I very huridly got out and attempted to shut off the utilities but was told the final billilng would not be available for another month or 2. When the bill was finally available to me, I was informed by the company, XXXX XXXX XXXX XXXX XXXX XXXXthat the bill was sent to collections because it was not paid by the end of the monthly billing cycle. I then waited for the collections dept it was sent to to contact me, when I got their bill, I PAID IN FULL. I was told they would remove it from my credit report as a bad debt once paid and yet it remains there, though not showing a balance due, it shows up as " potentially negative debt '' owed. I have asked them several times to remove it but they do not. I want it removed as I have honored my part and paid the debt owed...
Consumer complaint received 2024-05-21
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. (IL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  ( original creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-07
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: ACIMA CREDIT, LLC (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. 

I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 

Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-21
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. (OH)

On this day of XX/XX/year> I was reviewing my Equifax consumer report and at that time I see a unwanted inquiry from XXXX XXXX  dated XX/XX/year> This derogatory information is being reported without my permission or a court order. Equifax staff believes that their policy supercede federal law.This is a violation of the FCRA the information being reported on my consumer report should be precise and accurate. According to the FCRA 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.There should only be correct precise information being reported by the consumer reporting agencies
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I am reporting BRIDGECREST ACCEPTANCE CORPORATION ( sponsor ) and BRIDGECRESTXX/XX/XXXXXXXX XXXX XXXX ( depositor ), XXXX XXXX ( XXXX ), for securities fraud, money laundering and interference of commerce. I tended in the endorsed contract as payment of the loan obligation ( negotiable instrument ) per XXXX cfr XXXX ( a ) - XXXX ( a ) which BRIDGECREST dishonored. 
Per XXXX XXXX This should result in an automatic discharge of this debt obligation. After reviewing the car contract I have come to realize the agreement was between BRIDGECREST and XXXX per XXXX CFR XXXX. Also per XXXX CFR XXXX, Regulation Z and the Truth in Lending Act The finance charge of {$21000.00} was supposed to be paid to me and BRIDGECREST never did. 

Per their indenture agreement with XXXX XXXX XXXX ( Indenture Trustee ), BRIDGECREST is supposed to be paying me back the principal amount plus interest of the loan as they securitized my contract and applications. They are trading my securities on the primary and secondary treasury markets without compensating me. Per your SEC filings, Rule XXXX, XXXX XXXX BRIDGECREST have no recourse liability for credit losses on retail installment contracts arranged and held by third-party providers but use third-party providers for your approval process. This is language and securities fraud! 
BRIDGECREST, with the help of their indenture trustee XXXX XXXX XXXX and trustee ( XXXX XXXX XXXX XXXX XXXX ) have been transferring and trading my car/loan contract. 
They can no longer have the right demand any further payments from me as they have been a break in the chain of the title which was transferred to their Trust ( BRIDGECREST XX/XX/XXXX 
They can not transfer the title as holder in due course. The contract is hence void. 

Down payment : XXXX ( the credit arranger for this transaction ) made me pay a down payment of {$2900.00} for this retail installment contract. Per the Truth in Lending Act a down payment is the sum of all charges. 
So I owe NOTHING on this loan. 


I have suffered emotional distress and economic hardship as a result of negative credit reporting on my credit by BRIDGECREST. 
I have made lawful changes to contract and subsequently revoked the power of attorney and security interest BRIDGECREST had over me yet they are still threatening to reposes my truck.
Consumer complaint received 2024-07-10
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 have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Despite having fraud alerts my Experian account was taken over by unknown individual. Part of my settlement was that I would have Via XXXX credit monitoring. In addition XXXX partner with Experian to create XXXX protect myID with Experian. Two separate entities to monitor my credit file. On Experian this would be my email ( XXXX ) ; this is where my account was compromised. My cell number was changed without my authorization and I never requested to have the cell number changed at Experian. On XXXX protect my ID this is my email ( XXXX ). I noted XXXX different numbers associated with my account XXXX a XXXX and a XXXX I forget the rest. Now my personal cell number ; which I only have XXXX cell number has be disassociated from my credit report. I never requested for my one only cell number to be deleted and a new cell number from XXXX XXXX Nevada that I have not used in over three years on Experian. The number on Experian site that has been incorrectly associated to my credit file is ( XXXX ) XXXX. Whom can change my number on my credit profile in a dispute on the Experian website when it was not myself. I ask that this be fully investigated and the perpetrator brought to justice. For the record I did not request a dispute to disconnect my only cell number which there is only one cell number to be disassociated from my credit profile.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC. (CA)

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. The account is as follows : XXXX - XXXX Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently XXXX XXXX XXXX ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 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 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 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 XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Debt Collectors International, Inc. (NY)

A debt collector reached out to me to collect a debt. After I obliged to pay my debt, I gave them my checking and routing number so they can electronically debit the money from my account. After XXXX attempts, my bank blocked both attempts due to fraudulent activity. They fraudulently created XXXX checks in my name in their computer system to draw the money out of my account instead of electronically debiting my account. 

The debt collector named, XXXX XXXX, XXXX XXXX  Debt Collectors International , Inc. not only called me and would continuously harass me threatening to sue me and claimed I committed check fraud when they were the ones creating the fake checks, they started contacting members of my family. 

Highly unprofessional, harassing, and threatening behavior.
Consumer complaint received 2024-05-20
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. (OR)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX compliance in processing. Navy Federal Credit Union, unable or unwilling to process approved XXXX requests in a timely manner. This is in direct conflict with federal law & interfers with my ability to focus on defense of my XXXX XXXX XXXX. My request was sent on XXXX XXXX, approved on XXXX XXXX ; however, I'm currently being told that account adjustments timeframe can not be determined since they are just now processing requests from XXXX. Unacceptable!!! 
It is not good enough for them to expect me to honor my responsibility to continue to make the higher payment on time, and they not care enough to honor their lawful responsibility to make the XXXX adjustments in a timely manner. Excuses for the reasons why we are unable to do what we signed up for, are unacceptable on either side. I'm doing my part, following the outlined protocol & defending our nation, I expect and charge Navy Federal Credit Union to do theirs.