davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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. (CT)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-02-22
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian consumer reporting has some wrong information on my credit report. I disputed that by paying fee. They came back after XXXX month stating they can not change the information. 
1. Residential address ; XXXX XXXX XXXX, XXXX, XXXX [ I lived at that address for XXXX years, I have now sold that property. 
2. Residential address : XXXX XXXX XXXX, XXXX, XXXX. [ I never lived at that address. ] PS : The same address can not be in two cities and I can not live on both address at the same time. I tried calling Experian but the call goes to automated system. No one ever picks up the phone. 
3. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived at that address. I am just a non-occupying co-signer. The consumer report showed the full amount of loan in my name which resulted in decline of services and credit request.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (NY)

I've recently discovered an inaccurate account reported on my credit report by Mercedesbenz financial. The account in question is impacting my credit score and reputation negatively. Despite notifying the creditor of this error and requesting an investigation, no action has been taken to rectify the situation besides not even an clear explanation the representative didn't even understand the reported information.
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-19
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. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping thatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these disputed items get corrected.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. 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 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

unauthorized inquiries with out my authorization on my Credit Report .. INQUIRY By XXXX XXXX XXXX on XX/XX/XXXX And XXXX on XX/XX/XXXX. I Contact the Credit Bureaus Experian But No Action Was Taking on they in
Consumer complaint received 2023-09-19
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. (CA)

I am writing to confirm the legitimacy of the verifying documents that I have previously submitted to Equifax. These documents were provided as part of the process to verify my identity and address, and I wish to emphasize that they are genuine and accurate. The documents in question were submitted on XX/XX/2023, and I have retained copies of these documents for my records. I have taken every effort to ensure that the information provided is in accordance with the requirements outlined by Equifax and the Consumer Financial Protection Bureau ( CFPB ). I trust that Equifax will duly verify the authenticity of these documents and process my request accordingly. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-05
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One sent the standard payment information to pay down outstanding debt. 
The statement showed the amount of {$580.00} due on XX/XX/2023, I sent the payment of {$40.00} through my banking institution on the XXXX first, but the amount would not be forwarded until the XXXX of the same month. 
I received from the county clerk/recorder that a lien was placed on my residence on the XXXX of the month, which was prior to the due date of payment. 
I contacted the debt collection lawyer either the XXXX or XXXX of XXXX to find out more information, which I was disconnected after XXXX. 
On XX/XX/XXXX I contacted Capital One to find out more information, after XXXX minutes I was again disconnected from the call.
Consumer complaint received 2023-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (AZ)

Sent the following letter to the collection agency on XX/XX/XXXX - Notification received shows " As of XX/XX/XXXX, you owe {$630.00} with interest of {$47.00}. '' I responded, " I want to dispute this debt because I think this is not my debt. '' XX/XX/XXXX - Notification received states in receipt of your inquiry in which I requested validation of the debt, an itemized statement is attached. It includes the name the facility that provided the service, the amount charged and an itemization of the charges. This statement did NOT provide validation it's my debt. As I responded on XX/XX/XXXX, the document shows, " XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ '' ; which I have never been to that facility. The document shows a total amount of {$630.00} and I already stated repeatedly I have no medical bills for that amount nor do I recognize it. The document shows an itemization of the charges stating, " Emergency department visit for the evaluation and management of a patient. '' which does not provide any clarification what this bill/debt is actually for. 

This is NOT my debt and now they filed a nagative report on my credit and made up the amount so it could be reported. I have NO medical debt and haven't been to any doctors or emergency rooms in years.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following account and inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
ACCOUNT : XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (DE)

Dear chase bank, I, XXXX XXXX, hereby opt out of the services provided by [ Service Providers Name ], effective immediately, pursuant to the Uniform Commercial Code ( UCC ). Please confirm receipt of this notice and that no further services will be provided.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-07-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

Good Afternoon CFPB Personnel, I pray that this message reaches you in great peace. When Sending the Debt Validation Letters to Pro Collect, I found the information to be faulty and incomplete. I specifically asked this company to produce the following pieces of information : XXXX XXXX XXXX XXXX Texas Sec of State surety bond Original Documents with signatures This company bought illegitimate debt from a company during the covid-19 pandemic. The release of the account information is in violation of the FCRA Section 392.101 of the Texas Finance Code ( prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State ). Pro Collect has not filed a surety bond with Texas therefore can not collect Debt in the state of Texas as a Third party Collection Agency Please make contact with Pro Collect to make them comply with Federal and State laws. The contact information of this Company is below. Thanks so much for you time.
Consumer complaint received 2024-05-09
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)

I have been dealing with these fraudulent accounts for years, yet they still appear on XXXX of my credit bureaus. The following are the multiple fraudulent accounts listed on my credit report : XXXX. XXXX- {$3600.00} XXXX. XXXX- {$3500.00} XXXX. XXXX- {$2200.00} XXXX. XXXX- {$2200.00} I have been diligently working to address and resolve the inaccuracies on my credit report, particularly with regard to the ( XXXX ) fraudulent accounts opened under my name by XXXX. Despite my efforts, I have encountered challenges in settling this matter with the loan company. Each time I reach out, I am informed that a case has been submitted and that I will be contacted. However, I have yet to receive any follow-up or resolution from them. This has been a frustrating and ongoing issue for me. 

I have disputed these accounts with all the credit bureaus. XXXX removed the fraudulent accounts. However, XXXX and Experian have not taken action to remove the fraudulent accounts from my credit report. Despite my continued efforts to rectify this situation, these accounts persist on my credit reports. This ongoing issue is hindering our ability to purchase a home, as I am being wrongfully held accountable for debts that are not mine. 

I am at a loss for what steps to take next and am feeling frustrated by the lack of progress in resolving this matter. 

I want to clarify that I have never signed or agreed to open these accounts with XXXX. Despite my repeated requests, the loan company has failed to provide any documents proving that I authorized or agreed to these accounts. This is because such documents do not exist, as I have never consented to these accounts and they are indeed fraudulent. 

My continued efforts to resolve this issue have been met with delays and lack of cooperation from the loan company, which is preventing me from clearing my name and moving forward with purchasing a home. 

I am hopeful that you can provide me with some assistance regarding this issue, as I am feeling quite overwhelmed and unsure of how to proceed. Your help would be greatly appreciated, and I am grateful for all that you do. Thank you.
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: VEROS CREDIT, LLC. (CA)

I'm in the process of bringing my car loan current. I am trying to work with the creditor as misinformation from the dealer has caused many problems. And now the car dealership is calling my work making fake XXXX appointments and showing up at my works office and harassing me. This is illegal from what I know and I'm doing what I can to work with the creditor. I would like the car dealership XXXX XXXX to stop contacting my work and stop showing up at my work, making fake XXXX calls and requesting me.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MA)

I have tried multiple times to reach out and try to retrieve information regarding this debt. I have sent a NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM letter to the company on Tuesday XXXX XXXX XXXX Tracking number for the registered letter that was sent out to the company XXXX XXXX XXXX Today, Friday XX/XX/2023 I have yet to receive any documentation.
Consumer complaint received 2024-02-20
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. (CA)

I am a victim of identity theft. I contacted Experian, XXXX and XXXX in regards to fraudulent addresses and accounts on my name. Someone had requested phone services as well as an apartment lease fraudulently in my name. I have contacted the local authorities but the account has yet to be removed I have never lived at XXXX XXXX XXXX  XXXX XXXX ca. 

XXXX account XXXX XXXX XXXX {$3200.00} Is also not legally my account. I have contacted multiple sources and nothing has been done.
Consumer complaint received 2024-05-09
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. (DE)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 662, which states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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. (TN)

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.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (AL)

this was an account opened by my XXXX husband back in XXXX and i had no idea he was opening accounts using my social security number this is causing me GREAT distress and has literally ruined my credit for the last XXXX years now! i wrote them and THEY decided the outcome! i am an elderly person living only on my social security at this point and dispute this debt ... .STILL. please help me!
Consumer complaint received 2024-05-09
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. (NY)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2018-08-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My vehicle ( XXXX XXXX XXXX ) was paid in full as of XX/XX/2018 ( account # XXXX ) with Bank Of America ( BOA ). I requested BOA to forward my address to the following : XXXX XXXX XXXX XXXX, CA. XXXX. My vehicle is registered in the state of XXXX. I spoke with supervisor ( XXXX at BOA ) regarding this issue. As of this date ( XX/XX/2018), I have not received my title.
Consumer complaint received 2024-05-09
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: RoundPoint Mortgage Servicing LLC (CO)

There was an issue with a lender who applied our payments to an escrow account that should not have been set up, the payments made to principal and interest were being directed to a wrong account, showing us as past due on our mortgage with Roundpoint. 

Round point corrected the problem, and states that have corrected the reporting to the credit bureau. We also filed disputes with the credit bureaus about the reporting, all of the credit bureaus with the exception of XXXX have corrected the error. We have done the dispute with XXXX XXXX  times, each time they come back saying the information of us being past due is correct. IT IS NOT! Our XXXX  credit score has tanked due to this issue. XXXX  has corrected the issue and restored our score. We are getting higher quotes on everything due to the XXXX issue. I have provided XXXX with emails from the lender Roundpoint showing them stating they have corrected the error and notified the credit bureaus. XXXX refuses to fix the issue that never should have been reported in the first place. We have never been late EVER. I need help getting this corrected. I have tried since XX/XX/year> thru today XX/XX/year>, with no avail. 
Please help get our credit score and reporting corrected.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit Management-original creditor XXXX XXXX  for an amount of XXXX. This debt isnt mine nor do I have any knowledge of this debt with original creditor through XXXX. I have disputed this account explaining it doesnt belong to me and needed it to be removed from my credit. It still remains on my credit report by this collector.