davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-14
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. (VA)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (PA)

XX/XX/XXXX was the first time claimant responded to statements and letters of debt via certified mail number XXXX XXXX XXXX XXXX XXXX. The contents of this letter included a fair notice, coupon/money order from statement dated XX/XX/XXXX, and a notice of liability fee schedule. All the items were accepted via a signature from an authorized agent of the company. The amount the statement was for the total balance of {$18000.00} USD, which I endorsed with my signature in order to make it a negotiable instrument. To my knowledge that makes any " debt '' claimed by CARMAX AUTO FINANCING to be offset, discharged and or paid off. Despite my lawful actions to settle this debt, I was still being harassed by agents of the company via phone calls, emails, and letters threatening to take my private property. Claimant sent two more letters dated XX/XX/XXXX, and XX/XX/XXXX informing CARMAX AUTO FINANCING that per 15 U.S. Code 1692c which states that without the prior consent of consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. These notices also informed the company that I am not a statutory person and I Am in fact a Private person. Article 1, section 10 of the constitution clearly states " All debts shall be payable in gold or silver coin ''. So seeing that I have never been officially " paid '' ( silver or gold ) before, how is one expected to pay any debt? All notices sent to CARMAX AUTO FINANCING requested that the company provide proof that I am in fact an agent of CARMAX AUTO FINANCING who took an oath of office and is or was performing the duties of that oath. I never qualified for the loan in the first place according to Title 26 U.S. Code 2701.
Consumer complaint received 2024-06-17
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. (OH)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-14
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. (IL)

After reviewing my credit reports from XXXX, Equifax and XXXX. I noticed a late payment on my XXXXXXXX XXXX  line of credit. That show a late payment on 3 different monts. On XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax. I was never late on this account on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I've provided a screenshot from my identity IQ account, that shows the inaccurate late payments. Im asking that the CFPB investigate this and ask the credit bureaus to provide proof, in with statements, that these payments were late on the days reported. If they can not provide proof of this. Im asking that this account and payments be updated to paid as agreed. Thank you for your time. The screenshoot of the inaccurate payments are attached.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I would like to follow up in regards with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have caused considerable harm to my credit history and financial stability. I have been a victim of identity theft, which has resulted in several fraudulent accounts and transactions appearing on my credit report. I have reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required. However, these fraudulent items continue to tarnish my credit history, negatively impacting my creditworthiness. I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-14
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$110.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$810.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-14
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)

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. 

Account Name : CAPITAL ONE Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised again. While reviewing my records, I noticed numerous inquiry that do not belong to me. Being meticulous about my research, I discovered that under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove and block any inquiry identified as resulting from identity theft. The disputed items do not belong to me. I have attached the necessary FTC Report, as required by both parties. Please remove this inquiry. 
XXXX XX/XX/year>
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX 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 2024-07-16
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. (FL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This company HAS NOT done this.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HF Holdings (CA)

1 ) On XX/XX/XXXX  Received an email l from a collector asking to pay their client " XXXXXXXX XXXX XXXX XXXX " {$370.00} 2 ) On XX/XX/XXXX  I requested proof of an agreement signed by me. This was never provided. I also indicated that if they are able to provide the contract in question with my signature, I will honor my debt. 

3 ) XXXX XXXX XXXX XX/XX/, XXXX to me There is a digital contract that was attached.. You know what you signed, and you know that you owe the funds to my client respectfully. This is a courtesy before I place it on your credit and continue to affect your credit for the next 7 years. Keep in mind we report to credit at the end of this week. 

XXXX XXXX XXXX XX/XX/2022, XXXX to XXXX It feels like I am being scammed. You sent me a contract with no signature. I can do the same, send you a PDF contract, and say you owe money. However ; without a signature is non binding. Please provide a signed copy of the contract from the vendor and I will review if I did indeed sign as speculated by the company then I will have no choice but to pay. 


XXXX XXXX XXXX XX/XX/2022, XXXX to XXXX XXXX XXXX XXXX I am formally responding to your contact about collecting a debt. You contacted me by both phone and email Tuesday, XX/XX/, and identified the debt as a signed contract. I do not have any responsibility for the debt youre trying to collect. 



If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that ( contract signed by me ). Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 



Also, please note that I have 30 days to dispute a debt from when I first receive the required information from the debt collector ; which I have not received. 

That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt Thank you for your cooperation. Sincerely,
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

While checking my most recent credit report I noticed credit inquiries that I did not authorize that was make by the following company. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair credit reporting act section 1681b ( c ) and a serious breach of my privacy right
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I am requesting and I would like to submit my complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX BANK XXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance {$17000.00} XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX : {$2400.00}.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX {$8000.00} ( Opened XX/XX/XXXX ), ( Closed XX/XX/XXXX ). XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 XXXX 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 is inaccurate.
Consumer complaint received 2023-09-19
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. (PA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-06-17
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. (MD)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ASSOCIATED BANC-CORP (MN)

I was being scammed and one of the transactions involved a money wire transfer from my account at XXXX XXXX to an account at XXXX Bank in XXXX Wisc. in the amount of {$23000.00} on XX/XX/2021. XXXX recognized that the recipient account was a fraudulent account and stopped the transaction. Now XXXX is holding the money and has made it literally impossible to get back. XXXX wants a Hold Harmless Letter from XXXX XXXX to retrieve the money but XXXX XXXX doesn't do Hold harmless letters and so XXXX wont deal with them. They won '' t even talk to me because I'm not the recipient account holder. They've admitted that it's my money but they won't give it back. They've made it literally impossible for me to get the money and it will sit there forever because no one can claim it but me. They claim that a Hold Harmless letter is a standard bank to bank process but XXXX XXXX doesn't recognize it. 
The contact info at XXXX is XXXX XXXX XXXX, Financial Crimes Investigator -Financial Intelligence Office XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX The recipient account info is XXXX Bank XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX Account # XXXX Routing # XXXX XXXX XXXX XXXX All they tell me to do is to do whatever XXXX XXXX tells me to do. All XXXX XXXX tells me to do is file a police report which I did. It did absolutely no good. I have documents but I'm having trouble uploading.
Consumer complaint received 2024-06-14
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$500.00}
Consumer complaint received 2024-07-16
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : account name and account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX