davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

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 : XXXX XXXX XXXX, Account Number : XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I would like to dispute off this inaccurate accounts from my credit report. Please see below the following items. 

Equifax : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$3400.00} XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-12-06
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. (IL)

15 U.S. Code {$1600.00} c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM EQUIFAX
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't and never ever agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-30
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. (SC)

I would like to dispute off the following items on my credit report listed below. 

Equifax : XXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX  Account Number : XXXX {$33000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} XXXX : XXXXXXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$6100.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$34000.00} XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX Account Number : XXXXXXXX XXXXXXXX Account Number : XXXX {$6100.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX
Consumer complaint received 2023-12-06
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 XX/XX/2017, I worked with a company to help pay off large credit card debt. For over 5 years, I worked with this company, paying $ XXXX monthly into an escrow account as they worked to resolve my debt with XXXX, XXXX  XXXX XXXX, and XXXX. It was difficult to send this money monthly as my credit score plunged to XXXX, and I stopped using all my cards and accounts. I wanted to avoid bankruptcy. However, after time, I was able to settle with XXXX and XXXX. But XXXX would not settle. They would not work with the debt relief company. The California statute of limitations had run out when they could take me to court, so I ended my relationship with the XXXX XXXX XXXX and moved on. Since I paid off XXXX credit card debts, my credit score rose to XXXX. However, after doing nothing since 2017 to my credit report, out of the blue, XXXX reported an XXXX for the second time in almost 6 years on my account to the credit reporting system. Over time, my credit rating dropped XXXX points, and I'm now down in the low XXXX with a fair credit rating. It has destroyed all my hard work and seriously hurt my credit. Again, XXXX WOULD NOT work with my XXXX XXXX XXXX and then did this. It is a malicious move designed to hurt my credit and ruin my hard work and the future of all that I can do with lenders. When I reported it to Equifax, they contacted XXXX, who added XXXX to all the months since 2017, hurting me even more. 
Why did they wait, and why did they do this other than to destroy my credit history and standing? My life is a living nightmare because my score keeps dropping, and lenders won't work with me or give me loans even though I have paid rent for over 10 years at my current address, other debts, credit cards, etc. This tactic is highly egregious and should be investigated and stopped by companies like XXXX. Again, they refused to work with me to resolve the debt, attacked me personally, and erased my hard work with credit for their own benefit. WRONG! There should be protections from companies like XXXX and these tactics. Hard-working Americans like myself with family to support should not be attacked by multinational XXXX companies.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/2013 Balance : {$2900.00}
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (MO)

I am sbmitting this CFPB Comlplaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have reviewed my updated credit file and found that the items in question continue to be reported, despite my previous dispute. I have previously disputed these items, but they continue to be reported on my credit file. In addition, I have not received any supporting documents from the credit bureaus indicating that these items belong to me. Therefore, I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As we are all are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (PA)

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 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 C- ( 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 7 years.

15 U.S.C 1681 S-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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I sent a letter on XX/XX/year> to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MO)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't and never ever agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-12-06
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. (CA)

I am a victim of identity theft and credit fraud. I have tried to address it with the creditor and Credit reporting agencies. I provided an identity theft report and all my documentation to verify my identity to bureaus, as well as a police report, requested them to lock my credit, place a fraud alert, and requested the items to be deleted. Furthermore, I requested them to not do any auto verification in their system with the creditors but to do a real investigation. I requested them to provide the documents creditors provided to verify my identity and the name of everyone they spoke to during their investigation. Instead, I only get auto-generated mail from the bureaus stating it was verified and always updating closed accounts information, as well as reporting date to current date. 

The creditor that shows the charge-off account in my report is XXXX. I requested documents from XXXX to provide to me as well as to bureaus in their investigation, but neither the bureaus nor the creditor are doing an investigation. I am only getting letters saying it is verified but not any documents as to how they were verified. They also keep updating bureaus on closed accounts, removing the credit card from my credit report, and placing it back in again.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (DC)

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 XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30
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. (SC)

Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted XXXX, Experian, and XXXX multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 

Also, I am seeking your urgent assistance regarding a serious issue with XXXX. XXXX is reporting an incorrect Social Security number on my credit report and has repeatedly refused to remove it despite my providing the necessary documentation. 

This error is significantly affecting my credit standing and causing undue stress. I have attempted to resolve this matter directly with XXXX multiple times, but they have not taken corrective action. 

I kindly request your help in addressing this issue and ensuring that XXXX updates my credit report to reflect the correct Social Security number. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
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. (CA)

Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies XXXX, Equifax, and XXXX and XXXX. After the investigation into the disputed information, XXXX, XXXX and Equifax deleted disputed unverified information from XXXX. 

After my children were XXXX XXXX XXXX XXXX, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. XXXX needs to investigate this credit reporting error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Rejection XXXX Need to Be Tracked Obsessed with attacking my African American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXX XXXX , then an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX XXXX XXXX XXXX - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.
Consumer complaint received 2023-12-06
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. (TX)

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.