davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

There are XXXX hard inquiries from a capital one company that I did not know of or authorized I want these removed immediately I did not apply for these personal or give anyone my personal information for this to be done. I submitted a report to identitytheft.gov that I will attach below along with the XXXX unauthorized capital one inquiries Hard Inquiries Capital 1XXXX XX/XX/XXXX Capital 1XXXX XX/XX/XXXX Capital 1XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-18
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. (GA)

This is follow up report where I find myself affected by fraud, and I am challenging specific entries in my report that are due to this criminal act. The entries I challenge are not connected to any transactions involving the acquisition of goods, services, or money that I have conducted or authorized. Kindly eliminate any entries in my credit record that stem from supposed fraudulent actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00}. These entries are unfamiliar to me. Additionally, the information on some entries, already expunged by other bureaus, raises concerns about their accuracy, and the reported payment history on some is unclear to me.
Consumer complaint received 2024-05-22
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. (PA)

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. 
XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-07-06
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts 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 accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

XXXX XXXX
Consumer complaint received 2024-05-22
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. (GA)

In the terms and conditions of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they agreed not to share my information with non-affiliates. XXXX, XXXX, and EQUIFAX are not affiliates of the aforementioned companies, nor are they bureaus. The only true credit bureau is the CFPB, which does not furnish consumer reports as stated in federal law. I have a right to privacy, and per the Privacy Act of 1974, as a federally protected consumer, I am now rescinding and revoking any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 5 U.S. Code 552a. Furthermore, per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 15 U.S. Code 6802.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-08
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)

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 XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX )
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

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 2024-05-07
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. (PA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e XXXX b ) XXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$3100.00} According to XXXX XXXX Equifax XXXXXXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 



USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account # : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$1100.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX Equifax Account XXXX : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$4300.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2024-09-10
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. (PA)

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 is my understanding that will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  : XXXX
Consumer complaint received 2024-05-15
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. (FL)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$2300.00} XXXX XXXX - XXXX {$2300.00} XXXX XXXX - XXXX XXXX {$5800.00} XXXX XXXX - XXXX XXXX - XXXX {$8100.00}
Consumer complaint received 2024-05-16
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: 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct 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
Consumer complaint received 2024-06-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (FL)

I filed a complaint with CFPB and on XX/XX/XXXX, Wells Fargo replied and I definitely am not satisfied as they provided no proof of the conclusions they came to saying they made no mistakes when foreclosing on me in XXXX. 

The complaint was due to Wells Fargo sending me a check for {$200.00} dated XX/XX/XXXX, saying they may have made a mistake with my government ordered payment modifications during the recession back in XXXX that resulted in me losing my home. 

First they answered that I didnt qualify for another modification due to my monthly income, I was working at that time. Then a few paragraphs down, they said I did qualify for an extended payment modification but I never answered or filled out the forms to take advantage of it. As their proof of that they enclosed blank forms that didn't prove they had sent them to me. I know I never got additional forms, because they had said I didn't qualify and I have proof from that time period. 

Then they said the original {$200.00} check I got was due to a mistake in the amount they charged for the first modification, they discovered they overcharged many customers on payment modifications and the amounts were all less than {$200.00} so they just sent {$200.00} to everyone over 10 years later, with no documentation provided. 

After I was denied the new payment modification, Wells Fargo had offered me {$1500.00} check for rehoming, to sign the home over in a Deed in Lieu. Then they wouldn't have to wait for the foreclosure to go through. Since I had no other choice, I completed the Deed in Lieu but did not receive the {$1500.00}. In their XXXX letter they claim to have sent the check to my attorney but they have no proof of that because those records didnt have to be legally saved more than XXXX years, and they have been destroyed. They have no proof it was cashed, and my attorney 's office is now closed and gone. They can't even provide a check number. 

Back in XXXX I filed for a foreclosure review and stated that I would have qualified for a payment modification and that I didn't get any check for {$1500.00} and that is actual proof from the time period that I did not get it. 

They have no actual proof that any of what they say happened. I don't say what they did ruined my life, but it really made it a lot harder. They did this to many homeowners and they think they can send a {$200.00} check, which I have not cashed to remedy everything.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to TRANSUNION with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-09
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 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 account listed without my expressed written consent.