davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a XXXX XXXX account opened on XX/XX/year> under the account number XXXX on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXXedit Reporting Agencies 3 bureaus : XXXX, XXXX, and Equifax Someone open a fraudulent account in my name {$500.00}. My name is XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened XXXX. 
. These accounts have resulted in a fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I am a small business owner who banks with US Bank. I have a Business checking account with them. Recently, I deposited three checks from a customer, totaling {$3700.00}. However, all three checks bounced due to insufficient funds. As a result, US Bank has decided to close my account, which I believe is unfair considering the circumstances. 

To address this issue, I contacted customer service at US Bank and sought their assistance in enforcing collection from the customer. The customer claimed that the funds were not available, but later stated that they were and advised me to process the checks anyway. A customer service representative named XXXX suggested that I redeposit the checks through the ATM for reprocessing. Unfortunately, the ATM did not accept the checks, leading to the closure of my business account. 

In an effort to find a solution, I have reached out to both the customer and their banking institution. It has become apparent that the customer does not have sufficient funds to cover the checks. As a business owner, I believe that I should be protected by my financial institution when faced with bounced checks from customers. 

Initially, US Bank assured me that my deposits were insured and that I would not be held responsible for any consequent damages. However, the current situation is clearly unfair and unjustified, and I do not understand why my account is being closed. I kindly request guidance on how to navigate towards a fair resolution. Thank you for your assistance.
Consumer complaint received 2024-08-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-06-03
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. (MD)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-03
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. (MA)

I am trying to buy a house and I have realized I have damages on my credit report according to the 15 U.S.C 1681 there should not be any damages on my credit report. It is a defamation of character.
Consumer complaint received 2024-06-03
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. (IN)

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request. 

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On XX/XX/year>, I mailed a request for my husband and my free annual credit report from the XXXX credit reporting agencies. At the bottom of the front page of the request, I wrote, identification on other side and I put an arrow pointing to the other side. The other side contained a copy of my driver 's license and my social security card. I did the same for my husband. Equifax ALWAYS, requests for my family to again send what we have already sent. Almost every time I request a report from Equifax, they request my identification, even though I submit it with every request. It is very frustrating that Equifax causes me to have to send another request with the same information I already sent. This must be a way for Equifax to not timely provide the requested free annual credit report. I attached a redacted copy of the reports requested and a redacted copy of the letter we just received from Equifax.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (FL)

They will not allow me to speak with them. I identify the information on the notice i received in the mail. When they acknowledge it is me on the phone and then ask me for my DOB and XXXX which i do not need to disclose to these people. I never signed a contract with this company and I do not know who they are. 


While working with PayPal and Synchrony bank. I was unable to resolve major issues like my card being fraudulently charged and my account actually being compromised. 

I have no used their services since I was compromised. PayPal refused to speak with my along with Synchrony who referred me back to PayPal. 

I am being scammed by these two companies. 

If I CALL THEIR NUMBER IM REQUIRED TO SHARE THIS ALARMING INFORMATION Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank Of America ran a credit report without my authorization. 

I applied for a credit card on XX/XX/XXXX reference number XXXX and the bank sent me a letter saying they denied my request because they could not verify my identity. I have a hard inquiry with no reasonable reason for this to be rejected. I have been a customer since XXXX, with an excellent credit score. Later the same week they sent me an SSN form verification and asked for a tax return to be mailed to their address in Texas to verify my identity. 

On XX/XX/XXXX I submitted the docs back to the bank. On XX/XX/XXXX they got a copy of my credit report without my authorization and do another hard inquiry on my credit. TWO hard inquiries without my authorization. 

I have contacted the bank several times and is impossible to have an answer from them, they opened a case, and every time I have called someone says something different or they disconnect the call. 

This is Fraud, I did not authorize to run my credit report twice and is fraud they do not have my information when I have already a credit card with them for 7 years. They are affecting now my credit score which was XXXX
Consumer complaint received 2024-05-11
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. (MO)

On XX/XX/XXXX, I attempted to activate my XXXX XXXX XXXX on a different network but I was told by that company that my phone, that I've had for years was unable to work on their network because the phone was locked. I contacted XXXX XXXX XXXX  today via the XXXX XXXX XXXX Device Unlock Request online but was denied due to an unpaid balance. I am attaching a screenshot of the email to show such. Since, I have ported my existing number over from my most recent carrier to the new one, neither of which are XXXX XXXX XXXX I am now without a phone or means to communicate outside my home. The email did not show a balance so I pulled my credit report and it is showing a balance of {$830.00} under XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ). This account is showing as a Collection/Chargeoff. I have submitted a complaint against Experian and XXXX for this same account through CFPB and they both came back saying that the company verified this account so it remained on my credit report although it is very inaccurate. I have also attached a screenshot of my XXXX credit report to show the inaccuracies to include the date last active date, XXXX says XX/XX/XXXX, Experian says XX/XX/XXXX. The last reported date says XX/XX/XXXX and XX/XX/XXXX. The date opened says XX/XX/XXXX and XX/XX/XXXX. Lastly, it shows a balance of {$830.00} but being that this account was CHARGED OFF, and a charge off is considered a certificate of indebtedness which means it is income and must be removed and it has not is a direct violation of my rights as is the reporting of the inaccurate account on Experian and XXXX. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate and must be removed. In addition to these accounts being removed, my balance with XXXX XXXX XXXX needs to be corrected to paid in full. I want to reiterate that according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In addition to the removal of this account from my credit report, I need this phone, XXXX XXXX XXXXXXXX XXXX XXXX, to be unlocked for use. I am a XXXX mother and in need of means of communication. This has caused me severe undue hardship and stress. I just need my credit report remedied by THE DELETION OF THIS ACCOUNT ON BOTH XXXX AND EXPERIAN, XXXX XXXX XXXX to update their records to paid in full as it has been and my phone to be unlocked so I can feel safe with the ability to communicate and not worry about the negative impact this falsehood has on my credit report and personal credibility or I will pursue all monetary compensation allowed. I need this remedied within the next 24 hours. Thank you for your understanding and cooperation.
Consumer complaint received 2024-05-17
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)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-17
Product: Credit card — General-purpose credit card or charge card
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 ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-05-17
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00}
Consumer complaint received 2024-05-11
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

My loans are currently serviced by FedLoan as part of my enrollment in the Public Service Loan Forgiveness Program. I have asked for an accurate count of qualifying payments and it has been about a year without a response ( in their records I asked for count in XX/XX/XXXX, but I asked for manual recount in fall XX/XX/XXXX AND XX/XX/XXXX ). The current count listed in my account on the Fedloan website is incorrect. The National Student Loan Data System does seem to have an accurate count ( per my records ). I would like an accurate count per Fedloan so that I know how many qualifying payments are remaining before my loans are forgiven.
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (OH)

This is the third CFPB complaint I have had to file against this company, all for the same reason, I will not stop contacting me. 

My first complaint was filed after I sent them a debt validation letter in response to their collection letter dated XX/XX/XXXX. They did not respond to that complaint at all. They later claimed they didn't receive it but I sent the letter certified mail and have the signed postcard. 

The second complaint was filed because they continued to call me multiple times per day after they received my DV letter and after I filed the original CFPB complaint. 

In response to these two complaints, they told the CFPB that they would send me validation documents. These were never sent. 

I contacted XXXX XXXX by email ( XXXX ) on XX/XX/XXXX regarding their dishonesty in their response to the CFPB complaints and again requested that the debt be validated. She replied that same day saying they would check with the creditor and verify the balance amount. I responded saying that that was not what I asked for and that I expect them to verify the debt as they are required to do so and as they told the CFPB they would. I also pasted the text of the DV letter I sent them on XX/XX/XXXX. I received no further response and never received any documents from them. I followed up on XX/XX/XXXX by email and did not receive a response then either. 

Today I received another collection letter in the mail from them regarding the same supposed debt. This violates the FDCPA because they have continued contacting me without first supplying me with verification of the debt.
Consumer complaint received 2024-05-17
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -EQUIFAX : XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX CT XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon checking my credit report, I have discovered that I have fraudulent hard inquiries reported on my credit report, these hard inquiries are not mine, XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-12
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. (AR)

This item is not accurate and it not complete, How can you have the item charged off again in XX/XX/XXXX after the item was already charged off in XXXX and paid and closed. Please remove this item, due to everything is not accurate and not complete. A compliant to the CFPB will be issued for reporting inaccurate information. 

XXXX - XXXX
Consumer complaint received 2024-07-12
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. (CA)

I filed XXXX complaints through cfpb. Experian has not completed the result. Instead, they punished me and retaliated me by lowing my credit score XXXX points on XX/XX/year> and lower my credt rating from good to fair and even told me that now creditors will regard me as more risk.
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OR)

Midland Credit has continued to send me emails and postal letters even after being sent numerous debt validation letters and a cease and desist letter. They will answer the phone and then hang up. They refuse to validate the debt and now have reported to the credit bureaus the same debt but twice, which brought down my credit score.