davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (TX)

I am writing to formally lodge a complaint and seek immediate assistance concerning fraudulent inquiries on my credit report resulting from an identity theft incident that occurred several years ago. 

Recently, I reviewed my credit report and was alarmed to find multiple unauthorized and fraudulent inquiries. These inquiries are significantly affecting my credit score and overall financial well-being. As a victim of identity theft, I have already contacted the relevant credit bureausXXXX, Equifax, and XXXX report these fraudulent activities and request the removal of the unauthorized inquiries. Despite my efforts, these inquiries remain on my credit report, causing me continued distress and harm. 

Please remove the following fraudulent inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) I kindly request the Consumer Financial Protection Bureau 's urgent intervention in this matter to ensure that these fraudulent inquiries are removed from my credit report promptly. I have taken the following steps to address this issue : Contacted Credit Bureaus : I have submitted formal disputes with XXXX, Equifax, and XXXX regarding the fraudulent inquiries, providing all necessary documentation to support my claims. 
Filed Police Report : A police report has been filed regarding the identity theft incident, and copies have been provided to the credit bureaus. 
Placed Fraud Alerts : I have placed fraud alerts on my credit files with the major credit bureaus to prevent further unauthorized activity. 
Despite these actions, the fraudulent inquiries persist, and my attempts to resolve this directly with the credit bureaus have been unsuccessful. The prolonged presence of these unauthorized inquiries on my credit report is unjust and is causing undue hardship. 

I have attached a copy of the police report from when my vehicle was broken into and my identity was stolen, I also attached a copy of the latest FTC Report that I filed last year. 

I implore the CFPB to assist me in ensuring that the credit bureaus adhere to their legal obligations to investigate and remove these fraudulent inquiries promptly. Please find attached copies of my dispute letters, police report, and other relevant documentation for your reference. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue and restoring the integrity of my credit report.
Consumer complaint received 2024-06-05
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-16
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)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : Account # XXXX XXXX After your investigation the account still is reporting late for XX/XX/year>. However I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XX/XX/year>. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I am requesting that you immediately update this account to paid on time.
Consumer complaint received 2022-10-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1631 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
Consumer complaint received 2024-05-16
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 consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-16
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)

According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. On the night of XXXX XXXX XXXX, criminals broke into my car and stole bank cards : 1 Bank of America business debit card , 2 Bank of America personal debit card , and 3 Bank of America credit card . Also one international card of XXXX, and an EBT card. On XX/XX/XXXX, Bank of America called me and informed me that a passerby had found my card in the parking lot in front of the bank. On the way to the bank, I discovered that all the cards were missing. Thats how and when I realised that the cards were stolen. I filed a claim with Bank of America because all the money that was on my Bank of America debit cards was withdrawn through ATM cash at a Bank of America ATM and XXXX XXXX in XXXX. Though, I never received any notifications either by phone or by email when the money were being. The bank told me that there was no need to contact the police, since the bank itself would conduct its own investigation, study the surveillance cameras and return the money. But when I arrived home, I still called the police, who opened a case. Today, XX/XX/2024, I received a letter dated XX/XX/XXXX stating that the money will not be returned to us on the basis that : The charge was authorised by you or made by someone who has permission to use the card or account. I perceive this decision as an accusation that I myself staged the theft of my cards. I consider this decision as an insult and a false accusation. I ask you to intervene in this situation and influence the banks decision in my favor. because the bank failed to protect its security system and my personal data was hacked. It was from the cards of this bank that the amount of {$2100.00} was cashed out and purchased.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
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)

Subject : Dispute of Inaccurate Reporting of My Information - Violation of Fair Credit Reporting Act To Whom It May Concern, I am writing this letter to formally dispute the accuracy of the information being reported by your agency regarding my credit history, specifically with regard to XXXX XXXX XXXX XXXX, as it pertains to Account number : XXXX and Account number : XXXX. It has come to my attention that you have been reporting information related to these accounts without my consent, and I believe that this action directly violates the Fair Credit Reporting Act ( FCRA ). 

The FCRA, under 15 USC 1681b, clearly outlines the permissible purposes for which consumer reporting agencies may furnish credit information. It is my firm belief that your actions in reporting my information without my consent are in direct violation of this statute.

Moreover, I wish to bring to your attention several other sections of the FCRA that have been violated by your agency 's actions. According to 15 USC 1681 SECTION 602, I have the right to privacy concerning my credit information, and your actions have compromised this fundamental right.

Furthermore, 15 USC 1681 SECTION 604 A SECTION 2 explicitly states that a consumer reporting agency can not furnish information about an account without the consumer 's written instruction. I have never provided such instruction for the accounts in question, and yet you have reported them without my consent. 

Additionally, 15 USC 1666B establishes that a creditor, in this case, XXXX XXXX XXXX XXXX, may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I request that you ensure that " ALL '' late payments associated with the accounts mentioned be updated to " Paid as Agreed Never Late ( PAANL ) '' immediately, in accordance with this statute. 

In light of these violations of the FCRA, I kindly request that you take the necessary steps to correct this inaccurate reporting and update the information associated with Account number : XXXX and Account number : XXXX to reflect my true credit history. It is my right as a consumer to have accurate and up-to-date information on my credit report. 

I am providing you with this written notice as per my rights under the FCRA, and I expect you to conduct a thorough investigation into this matter and the method you use to verify. I also request that you promptly inform me in writing of the results of your investigation. 

Please be advised that I take my rights under the FCRA seriously, and I am prepared to take further action to protect those rights if necessary. I trust that you will address this matter promptly and in accordance with the law.
Consumer complaint received 2023-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 

Never missed a payments : XXXX XXXX date XXXX XXXX, fraudulent account : XXXX - XXXX date XXXX XXXX Past due amount and payment : date XXXX XXXXXXXX XXXX XXXX Fraudulent account : XXXX XXXX date open : XX/XX/XXXX  Fraudulent account : XXXX XXXX XXXXXXXX date XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Back in XX/XX/year> I originally disputed with Equifax VIA certified mail ( meeting all of their requirements for mail in disputes ), phone, online and through a credit app XXXX  fraudulent accounts, Names, addresses and phone numbers and requested that they return service with the procedures that they utilized for the investigation along with the results. They did remove fraudulent names and phone numbers. They did not remove the addresses, fraudulent accounts or return service me with the procedures they used to validate and verify the debt. Instead they just sent me a letter stating that debt was verified and they were not removing accounts. So XX/XX/year> I submitted VIA certified mail ( meeting all requirements by Equifax for mail in disputes ) a Identity Theft Report from the government website ( Because I did not know who committed the crime XXXX police would not take a report ) so I submitted a affidavit that was notarized along with a personal letter, copies of the consumer law and the credit report with the accounts and other fraudulent info highlighted. Since then they have not blocked the info within the 4 days nor have they responded with anything at all. They have also managed too completely disrupt my PAID online account ( myEQUIFAX.com ) so that i am unable to see any account info, credit report or credit score.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard (NV)

XX/XX/XXXX - I received collections notice from Nelson & Kennard Ca Attorney office. 
XX/XX/XXXX - I immediate responded with a request for documented proof. 
XX/XX/XXXX - I received a packet of the credit card charges and the account details but no further proof it was my debt. 
XX/XX/XXXX - I responded in more detail requesting correlation to my identity such as social security number, DoB, Middle Name. I also stated the billing address for the account was never my residence. 
XX/XX/XXXX - I was served with a lawsuit for the debt with no further proof it was mine. 
XX/XX/XXXX - I retained a Lawyer and provided them with all documents pertaining to the matter. 
XX/XX/XXXX - I completed an FTC identity theft report, however, I do not believe this is identity theft and instead I am convinced this is the negligent practice of Nelson & Kennard, having performed XXXX due dilligence in proving the debt is mine. 
I will be filing a formal complaint with the state bar regarding the behavior of Nelson & Kennard, Law Office.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803.

15 USC 1681- Permissible Purpose i did not authorize these companies to have access to 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have a foreclosure date of XX/XX/XXXX. I am in the final states of XXXX XXXX XXXX providing me with assistance. They are rushing my file along and I have communicated that to Select Portfolio Servicing and they refuse. They want to foreclose on me while I have options to be provided assistance. I want to keep my home and if I file chapter XXXX bankruptcy to do so I will loose out on the assistance for XXXX  Mortgage Assistance.
Consumer complaint received 2024-07-31
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. (FL)

I am now requesting proof of the previous investigation. ( XXXX XXXX ) Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was 30 days late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
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: WELLS FARGO & COMPANY (GA)

No nation was taken by XXXX  XXXX because According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

On XX/XX/18, Navient approved my ibr repayment, increasing my payment by over {$30.00}. I contacted them to understand why my payment had increased when XXXX had decreased my payment due to my change in income. I was told to resubmit my paperwork, the third time I had done so, including my new paystub. I had sent this information to them one month previously. I then had to agree to go into forbearance for them to reprocess. I was contacted on XX/XX/XXXX with the exact same amount due as they previously had calculated. Everything is identical to the previous claim. 

It doesn't make sense that one servicer took my financial information and determined a lower payment and then Navient takes this identical information and determines that my payment should increase. I have contacted them via phone and email and received zero help from them, just a run around and then an offer to voluntarily go into forbearance so that they can resubmit my claim.
Consumer complaint received 2024-07-31
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)

experian- XXXX XXXX XXXX experian is showing lates on this account this account is not a personal account and is a business account- the account is a direct violation of FCRA 15 USC 1666 ( b ) XXXX experian is reporting lates on this account which is a doirect violation of the FCRA 15 USC 1666 ( b ) both of these accounts should be removed per FCRA
Consumer complaint received 2024-07-31
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. (GA)

I was on Experian looking at options for personal loans. I called one of the partners of Experian who offered a pre-qualified loan. The entity was XXXX XXXX XXXX who I called to get information on the process and the steps if I wanted to submit an application to process for a loan. I never gave them authorization to pull my credit file. I received an email from XXXX XXXX XXXX stated that they denied my application. I didn't submitted information to that database to process a application. This submission was fraudulent done in tactics to harm my credit file.