davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX  I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-05-19
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. (NJ)

Hello, I am writing this to dispute the following inquiries off of my Equifax report. This has caused me so much stress recently as I am getting denied from a XXXX XXXX and my score crashed. I have already contacted Equifax to freeze my file and dispute these. I also filed an FTC report for fraud. These are fraudulent inquiries and need to be immediately removed. I have attempted to contact these companies but I can't reach anybody! Please get these removed as soon as possible or I will seek legal action. Again, these were not made or authorized by me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

I was notified a week or two ago through the credit bureaus through app that there was a collection on my credit of {$3400.00} through XXXX XXXX XXXX mobility. I never had an XXXX XXXX XXXX phone ever in my life. I contacted the company XXXX asset solutions that posted that to inform them that I didnt do that & that my identity was stolen. They disputed she told me account was opened XX/XX/year>. I then put in a police report afterwards at police station. They gave me a police report I also put fraud alerts on my credit reports I freezes them as well. I also contacted XXXX & XXXX & provided police report & other documents online. I havent heard anything back yet as of now.
Consumer complaint received 2024-05-19
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)

XXXX, XXXX, & Equifax continue to report an account that is inaccurate. The service that the consumer agencies provide I did not request or sign up for. The account listed as XXXX Account # XXXX has not been properly validated or verified as belonging to me. They keep responding that the information is verified but does not provide me with the documents or any information to follow up with which makes me believe that have not done a reasonable investigation. You can not keep responding verified but do not have the evidence to back it up. This will be my last and final attempt to get the consumer agencies to turn over the information or I will immediately sue each one and request whoever states this is verified to swear in under penalty of perjury that they did in fact do an investigation and were provided evidence which includes my wet ink signature.
Consumer complaint received 2024-05-19
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. (MD)

In my personal research, I discovered several Fair Credit Act violations in the contracts I obtained from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These violations include : - Promissory note - Requiring a deposit to be made - Using consumers ' social security numbers to obtain loan funds- Disclosing consumers ' personal identification and sensitive information to credit reporting agencies without written permission. 

According to 15 USC 16026, I am considered the creditor. Additionally, 15 USC 1662 states that it is illegal for the lender to request a down payment. Referring to 42 USC 408, it is deemed fraudulent to request my social security number. Furthermore, based on 15 USC 1605, the lender was obligated to provide me with insurance. I am perplexed as to why I was required to pay a down payment and why the lender never provided me with insurance, instead requiring me to obtain my own insurance.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Consumer complaint received 2024-09-02
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)

I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. A copy of the police report. A copy of my driver 's license or government-issued ID. Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my credit score and causing significant distress.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have supplied my divorce decree / Marital agreement multiple times to all three creditors asking for a loan to be removed off my report because it is court ordered for my ex to pay the loan. Even though both of our names are on the loan he is court mandated to pay it. He has stopped paying this loan and it has messed up my credit. I even had to pull all my money out of my normal bank because of this issue. I need help getting this off my credit and fixing my credit report. Thank you. 

XXXX, XXXX XXXX
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (MA)

I received notification via a letter that was mailed to my new home in MA that appears to be a scam but I can not tell for sure. The notice came from CBCS supposedly, and has my old address as a service address for a XXXX XXXX XXXX XXXX charge but no company is listed and utilities were included in that place of residence where I lived for the entirety of my time in XXXX. I also have not lived there since 2013 and this is the first notice I am receiving. I want to verify that this bill I received for {$30.00} is a scam and report it if so.
Consumer complaint received 2024-05-19
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. (CA)

Data was compromised and a fraud alert was put onto my credit reports. This inquiry should not be reporting as part of that alert. XX/XX/2022 from XXXX XXXX. 

Please remove this inquiry.
Consumer complaint received 2024-08-18
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 was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-08-18
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. (GA)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-19
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)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX XX/XX/2024 EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Charge-Off Entry on Credit Report To Whom this may concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 
The inaccurate entry is as follows : XXXX Account Number : XXXX Date of XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

XXXX. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NV)

Freedom Mortgage found a {$610.00} surplus in my escrow account and sent a check payable to my husband and me. On XX/XX/XXXX I sent them a letter, certified copy of my husband 's XXXX XXXX, and the check, requesting that they reissue the check in just my name. Since then, I have called on XX/XX/XXXX ( XXXX ) and was told they'd get back to me on XX/XX/XXXX. Nothing. I called again on XX/XX/XXXX ( XXXX XXXX and was told they would do a direct deposit and took my bank information. Nothing. I received a letter dated XX/XX/XXXX acknowledging receipt of death certificate and condolences, but no check. I wrote another letter on XX/XX/XXXX restating all of this. No response. This is a VA loan, because my husband was a XXXX XXXX XXXX XXXX. Freedom bought this loan from XXXX XXXX, but it is impossible to deal with them.
Consumer complaint received 2024-05-19
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. (MO)

When My Sister Ran My Credit When I Was XXXX From Hospital On XXXX ; I Have An Account In Collections I Have No Knowledge Of.. 

I Am Not Liable To This Debt Nor Did I Have Or Signed A Contract With Progressive Insurance.. I Requested Original Contract But Was Informed And They Provided Nothing.. Nor Even A Response To My Request.. XXXX And XXXX XXXX Have XXXX Account On My Report
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-05-27
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. (NJ)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX & XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

RE : Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I checked my credit report and noticed the same multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know, the creditors did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the Creditors that I didn't pay and was marked late because this is clearly a billing error. 
I will list all items again that should be updated to paid as agreed on my consumer report and late marks should also be removed. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX As a consumer by law, these accounts on this letter must be updated and remove inaccurate information immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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. (MD)

I did a soft pull according to a website and it was reported as a hard injury. I tried to talk to XXXX XXXX and said go to XXXX bank and they said they could not write a letter of deletion so I can send to alll three credit bureaus.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX continue to violate federal consumer protection laws set in place to govern these companies. I did not give permission for either consumer agency to provide me with the service they provide. Therefore gathering my allege financial history with XXXXXXXX XXXX and incorrectly claiming they have verified the information is a violation of my rights. If you have done a reasonable investigation then you should be able to provide me with proof that you did see documents or talk to someone with first hand knowledge to attest to this information you are reporting. Either way I do not give you authority to report this account and you should not have access to it as its private and releasing it in such a public manner puts me at risk of data breaches.
Consumer complaint received 2024-05-19
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)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks : Name XXXX XXXX XXXX XX/XX/2024 Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX I have a reference number is XXXX at : XXXX. I was a victim of identity theft a few months ago.