davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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)

Over the past year I have been trying to get my financial picture back in order after being a victim of identity theft and having several credit cards, etc opened in my name and ran up the balances on the cards and left me to deal with this nightmare. I have done everything on my end to handle this issue the right way and following the process. I have submitted disputes directly with the three credit bureaus, I have updated personal information to ensure my credit report shows the most accurate name, address, social security number, date of birth, employer, etc. I have also changed all passwords to logins I have for my banking and subscriptions and I have went fully digital in regards to receiving mail to ensure nothing is stolen or tampered with from my mailbox. After several months of disputing these fraudulent accounts, I decided to file a police report as well as an identity theft report in the hopes this would expedite and finalize the process of undoing the mess I have had to endure because of identity was stolen. After submitting another several rounds of disputes with plenty of paperwork and proof that I am a victim of identity theft, two accounts have remained and are not following FCRA laws, which states that if I provide a police report and an identity theft report, the fraudulent accounts must be removed from my name and social security number and that information be blocked from reported on my credit reports. Experian on multiple occasions has conducted improper investigations and has dismissed the police report, the identity theft report, has violated several FCRA laws, and they have never validated the debt or legitimacy of the accounts. My husband also passed 6 months ago and the fraudulent credit card accounts reported by XXXX XXXX XXXXXXXX and XXXX XXXX are not allowing me to purchase a home for my children or find a better job as they pull my credit and judge me based on accounts I never opened, authorized, or consented to. I am extremely upset and this is my last attempt with Experian to have them remove the accounts fraudulently reported by XXXX XXXX  XXXX and XXXX XXXX. If this issue is not resolved and removed and permanently blocked from being reported on my Experian report, I will file a lawsuit against Experian and I have all the trails of paperwork and responses to without a doubt prove multiple FCRA violations which equates to XXXX XXXX XXXX in monetary damages, not to mention the physical and mental monetary damages this has caused me and my family. I need Experian to be held responsible by the CFPB, however my only end goal is to have those fraudulent accounts reported by XXXX XXXX XXXX and XXXX XXXX  to be removed and permanently blocked from being reported or associated under my name and social security number. Thank you to the CFPB and god bless.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 2024-04-12
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. (IL)

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. 



The Following Inquires are a violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights. I am attaching proof of my real address by way of my state issued drivers license XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1988 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX Fair resolutions Delete ALL accounts immediately Delete ALL addresses immediately Delete any alias immediately DELETE All Inquires Immediately
Consumer complaint received 2024-01-25
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. (GA)

XX/XX/year> my car loan was official paid off and was not reported as paid off to the credit bureaus. I did dispute with bureaus showing proof that this was paid in full and reported information by XXXX was inaccurate information, but dispute results still come back as verified and accurate.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

I received notification from XXXXXXXX XXXX that my credit rating was negatively affected by collection on a charge. This charge was from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, for an outstanding bill to a residence XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. The problem is, I don't own any property in Texas nor have I lived in Texas. The amount charge is {$690.00}.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

15 U.S. Code 1681c2 says A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than four business days after the date of receipt of the letter You are violation of the law because Im a victim of identity theft, delete the item below immediately Account : XXXX XXXX XXXX collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/year>XXXX  balance reported : {$8900.00} the account should not be furnished on my consumer report as they are in violation of 15 U.S. Code 1681b permissible purposes of consumer reports, which says in general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : in accordance with written instructions of the consumer, to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report, which violates my rights as a federal protected consumer no consent is identity theft as a consumer. I am demanding the deletion of the account below immediately. 

Account : XXXX XXXX XXXX collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/year> balance reported : {$8900.00}
Consumer complaint received 2023-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (OH)

Hello. I borrowed {$200.00} from MaxLend account # XXXX. I have paid back {$280.00}, which is 70.75 % interest. 

Yes, I was desperate at the time and really needed the help, but in the USA, loans above 24 % interest are considered predatory and is usury. I apparently have like 10 payments left. 

They have you sign an agreement@ 685.40 % interest, so that I would be responsible to pay {$1000.00} for a small {$200.00} loan. This is ludicrous to say the least. 

I had the same situation with a company called XXXX, but they understood that they were being predatory and lowered my loan to a reasonable amount. I've called MaxLend twice concerning this... The 1st time I had to get a call back from a supervisor. My phone recognizes them as spam so I didn't receive those calls, the 2nd call was today, I was put on hold for over 25 minutes... I had get back to work. 

This is going to make me have to rearrange my banking situation which will be a hassle. But I can not justify paying another dime to MaxLend for such a small loan. 

Also the immediate payoff at this point would be an additional {$240.00} totaling {$530.00} which would be a interest rate of 265.55500 % which is 241.555 % over the USA predatory lending limit.
Consumer complaint received 2024-04-12
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. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is XXXX XXXX once again and I am submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. I recently received an updated copy of my credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of and yet being reported on my Credit File. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX BANK XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX  Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. If the Credit Bureaus believe that the disputed accounts and information belong to me, I require the Credit Bureaus to send me any copy of proof of verification they may find during their investigation to prove that the disputed accounts belong to me. I strongly believe that the disputed accounts were results of the theft of my identity and must not be included on my Credit File.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My Student Loan is now paid off as of XX/XX/2023. However, XXXX XXXX has now REMOVED the paid tradeline off of my credit report which also DELETES over 25 years of good paying history. 

This is a very important component of credit scores and after paying satisfactorily for 25 years, this tradeline does not even show up like I ever had this loan. This should still be on my credit reports for the next 10 years after it was paid off.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I've learned that the creditor didn't provide the necessary XXXX 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 2024-04-12
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)

I am writing to you once again to address the ongoing issue of fraudulent items on my accounts. Despite numerous attempts to rectify this matter, the fraudulent items remain unresolved, causing continued frustration and concern. 

This marks the fifteenth round of complaints I have lodged regarding these fraudulent items. Each time, I have provided detailed documentation and evidence to support my case, yet there has been no meaningful progress towards their removal. 

I demand urgent action to remove these fraudulent items from my records/accounts. I expect a thorough investigation into the origin of these items and a transparent process for their removal. Additionally, I insist on compensation for the distress and inconvenience caused by the prolonged existence of these fraudulent entries. With this, I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.
Consumer complaint received 2024-04-12
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2024-01-25
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. (GA)

My entire family : Husband- 2 adult daughters completed the XXXXXXXX XXXX  request form. We all requested the 3 copies from the 3 CRA. 
We all received XXXX XXXX XXXX but None of us has received the report from EQUIFAX. We requested the reports at the end of XX/XX/ XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Hello, I am a victim of identity theft. I found that there are three Fraudulent Accounts that were opened under my name and my social security number. I only found out because I received bills/statements by mail. 

The first one stated it was XXXX transactions done on XX/XX/2024 in XXXX XXXX, CA and XXXX, CA with a company named XXXX XXXX XXXX in the amount of {$2300.00}. 

The second one was a transaction at XXXX XXXX on XX/XX/2024 in the amount of {$1700.00}. 

The third one was a transaction at XXXX at a XXXX XXXX store in XXXX XXXX, CA on XX/XX/2024 in the amount of {$960.00}. 

Please help me.
Consumer complaint received 2024-01-25
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (WY)

XXXX XXXX and XXXX has not verified debt to me but are threatening to send negative information to my mortgage company as well as sue me for debt that I can not verify is mine. They gave me first four and last four of a credit card number which does not match any number I have. they have given me XXXX hours to submit signed documents and provide my credit card number to pay the debt on over the internet. This feels like a scam and I can not seem to find their business online. I am just trying to protect myself and determine if they are a real company.
Consumer complaint received 2024-01-04
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. (OR)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.