davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-05
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: EQUIFAX, 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 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Dear Credit Bureaus Dispute Resolution Team, I am writing to dispute an inquiry that appears on my credit report. I recently reviewed my credit report and noticed an inquiry made by XXXX XXXX on XX/XX/2024. However, I do not recall authorizing this inquiry or applying for any new credit with XXXX XXXX around that time. Details of the inquiry are as follows : Date of Inquiry : XX/XX/2024 Inquirer : XXXX XXXX Inquiry Type : Hard inquiry I kindly request that you investigate this matter and provide me with detailed information regarding the purpose and basis for this inquiry. Additionally, please provide any supporting documentation related to the inquiry. If this inquiry was conducted without my explicit consent, I request that it be promptly removed from my credit report. I understand the importance of accurate credit reporting, and I believe resolving this matter is crucial for maintaining the integrity of my credit profile. Please send me a written response acknowledging the receipt of this dispute letter and informing me of the steps taken to investigate and resolve the issue. You can reach me at ( XXXX ) XXXX or XXXX to discuss any further information or documentation required. Thank you for your prompt attention to this matter. I look forward to a timely resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-18
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. (CA)

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. 

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX 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 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ME)

According to XXXX XXXX XXXX XXXX. XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Net Pay Advance, Inc. (UT)

I have been receiving collection texts and calls regarding a debt they claim I have taken on the XXXX of XX/XX/year>. The date of this " transaction '' was provided via response to XXXX  complaint I have filed. They claim to have verified that the account they sent these funds went to a verified bank account of mine. I only have XXXX active bank account and I do not see a transaction from any company resembling the name of this company nor any company that does this type of business. I have tried working with them, but they want me to provide more information about myself, which to me is worrisome. I don't know anything about this company and do not know of their legitimacy. The address on the account is not my address. The emails they have sent are not coming to me, and they won't send the requested information to the email address I have provided in an effort to protect the privacy of the person who allegedly took the loan. It seems they do not want to assist me without me providing my personal information. I have formally disputed this debt with them and they are still aggressively collecting from me. I do not understand why they will not provide information to me without wanting all of my personal information. They are ignoring my dispute of this debt and refuse to assist in providing me information to provide to law enforcement. They will only send documents to the address and email on the account, which is not mine. They very obviously did not verify the debtor as being me before relinquishing funds to them. There should be a way I can work with them, without providing more personal information. They have an email address that I have provided to send me more information, but they are more interested in protecting the identity of a thief than helping me. They sent me a fraud affidavit allegedly, but the link was broken and any information they claim to have sent me, was not included in the email they sent, when they said it was attached to the email. I have been as transparent as I can be, but the more I deal with this, it seems like they are phishing me.
Consumer complaint received 2023-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

n 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Source : XXXX Company : XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Business Type : XXXX Balance : {$18000.00} Source : Equifax Company : XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Balance : {$18000.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00}. 

Company or Organization : XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$720.00}.
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (KS)

To : XXXX Re : Complaint against [ XXXX ] and Dispute of Alleged Debt Dear Sir/Madam, I am writing to file a formal complaint against [ XXXX ] for multiple violations of consumer protection laws and regulations, and to dispute any and all debts they claim I owe. I assert the following : XXXX. I dispute owing any and all debts to [ XXXX ]. 
XXXX. I hereby revoke all rights for [ XXXX ] to communicate with me via email or text message. 
XXXX. I request full debt validation and a copy of the purchase agreement between [ XXXX ] and the original creditor. 
XXXX. I demand proof that [ XXXX ] is properly bonded and licensed to collect debts. 

Furthermore, I believe [ XXXX ] has violated the following regulations : XXXX. XXXX CFR XXXX ( b ) ( XXXX ) - Failure to provide required validation information XXXX. XXXX CFR XXXX ( c ) ( XXXX ) ( l ) - Improper disclosure of consumer rights XXXX. XXXX CFR XXXX ( d ) - Violations related to the form and content of validation information XXXX. XXXX XXXX XXXX ( XXXX ) ( A ) - Failure to provide proper notice of negative information The collection agency has used false, misleading, and deceptive means in their attempts to collect this alleged debt, which violates my consumer rights. 

I request that the CFPB investigate these violations and take appropriate action against [ XXXX ] to ensure they comply with all relevant consumer protection laws and regulations. 

Please inform [ XXXX ] that they must cease all communication with me except to provide the requested validation and documentation. Any further attempts to collect this disputed debt without proper validation will be considered a violation of my rights under the Fair Debt Collection Practices Act. 

Please contact me if you require any additional information to process this complaint and dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (NY)

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 2023-08-04
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: EQUIFAX, INC. (FL)

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 2024-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (WV)

This company just appeared on my credit reports apparently for XXXXXXXX XXXX XXXX. I went through a divorce this year and I changed insurance companies as did my ex spouse. I successfully got insured without any mention of money owed to XXXX. This company never contacted me by mail and to my knowledge on my phone either. I am attempting to purchase property and this has set me back as they have already damaged my credit.
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (MS)

cease and desist dispute letter was sent XX/XX/29 no resolution ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've attempted to log in to my account for the past 2 weeks. Unable to log in, it tells you to create a new log in which I have done and with each attempt to login, it sends me back to the beginning to start over. I've attempt to reach them via telephone and their recording is corrupted and hangs up. Yesterday, I was told to leave my phone number and they'd call me back XXXX. I did receive a call back stating it was transunion but no one was there and was disconnected. With all the financial problems going on I just want to insure that my accounts with transunion are frozen
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

Hello, my name is XXXX XXXX, and l 've noticed this problem on my credit report in XX/XX/2024. XXXX am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I was hoping that you can delete these items that are listed below. I need to get my house loan to be approved as soon as possible. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MS)

They went to the court in XXXX XXXX and sued me for it without my knowledge I was living out of state when this garnishment was filed in XXXX when they tried to serve me and ended up garnishing me when I came back to Mississippi. It caused me to have to know try to catch up on my bills. The garnishment happened in XX/XX/XXXX. I only got the garnishment information from my company.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have an account at Transunion. For some reason it does not recognize my login information. I have spoken to four agents of Transunion to resolve this problem. No one can help me. I need to have access to my account.
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (NC)

Relocated in XX/XX/XXXX closed XXXXXXXX XXXX XXXX XXXX  account due to I didnt have a new residence. Paid fees and last due, informed of no balance. 
Received an alert in XX/XX/XXXX about a collection placed on my XXXX credit. Collection was for aforementioned XXXX account in excess of {$850.00}. 
Submitted multiple disputes ( XX/XX/XXXX, XXXX ) to XXXX to investigate the collection for validity, asked for verification that original creditor communicated the debt and proof. Received no proof of communication from the original debtor that a balance existed 3 years ago to present. How can I have an account in collections if I was never notified of the debt? How is it legal to just placer a collection on someone credit report and not have to prove the validity nor research the communications or notifications? This has to be fraud or a mistake.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mullooly Jeffrey Rooney & Flynn (NY)

In doing my research against my pending lawsuit against the debt collector XXXX, I discovered that the CFPB regularly files XXXX briefs, as in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

The specific item in this case, that XXXX appears guilty of, is claiming in an affidavit filed with a court that a person had personal knowledge, when they in fact did not. 

I am attaching a copy of an affidavit from XXXX from a person with the name XXXX XXXX. 

I have never met XXXX XXXX, never had any interaction with her, although she claims personal knowledge. 

It therefore seems there is yet another dishonest tactic being used by the sleazy firm Mullooly Jeffrey Rooney & Flynn XXXX
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (CT)

Over the last year several attempts on their website, phone and via email to XXXX have not produced an answer as to why a loan or of approximately {$250000.00} with XXXX XXXX had a principal balance in 2014 of over {$270000.00}.