davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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. (NC)

I am writing to address an issue concerning an account listed on my credit report. The account in question, XXXX XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account NumberXXXX. XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX Account NumberXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account NumberXXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information, including [ describe any specific inaccuracies, such as incorrect balance, payment history discrepancies, or disputed charges ]. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my Experian credit report I noticed that my student loans are being duplicated. They are on there both from XXXX and XXXX XXXX. I called XXXX and they told me that XXXX needed to close them out, so I called XXXX and they told me it is on XXXX and the credit reporting agency. It is turning into a ping pong game. This is fraudulent- they are reporting almost XXXX of duplicated loans which is false. This needs to be corrected ASAP.
Consumer complaint received 2024-07-18
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. (CA)

I would like to dispute these inaccurate accounts on my credit report. My letters have been disregarded and Ive been receiving letters from the bureau stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$220.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$300000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$86000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$220.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$86000.00} XX/XX/XXXX
Consumer complaint received 2024-07-04
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 asked and disputed with the credit reporting agencies multiple times to provide info on a few collections showing on my credit report. The collection agency always comes back with the info is correct yet the original creditor XXXX can not validate I owe them any money. I have called XXXX multiple times and they show I have a XXXX balance yet are unable to provide me with a letter stating so. 

There is also XXXX XXXX XXXX that shows the original creditor being another collection agency. XXXX XXXX XXXX XXXX I have never owed either of these companies money and having tried multiple times to dispute this, they provide me no info and the repositories also provide no info other than that the agency verified as correct. I have no idea who the original creditor could be.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Danco Financial Services, LLC (GA)

I missed the second payment due, XXXX harassed, until they shut vehicle down and took it with all belongings still inside. Never received letter to resale, or told when asked balance to get vehicle. Within a month called had money to get vehicle back was told it had already been auctioned off. Never received court date, didnt receive letter that wages where going to be garnished until after wages had already been taken. Also I signed contract with XXXX XXXX XXXX didnt know anything about third party until after XXXX months calling XXXX XXXX  back to make payments and given the number. Its unfair to garnish my wages in XXXX for a vehicle purchased XX/XX/XXXX, 10 years and counting for a car, also paid money down for, and was taking due to XXXX late payment, and within a month sold leaving dependent defenseless and torched to pay for nothing in return, didnt have vehicle XXXX XXXX months. When sold the vehicle, it was never explained or told, that someone can rob a person in such way. XXXX was for XXXX it was sold again within 3 months. This is crazy a low income, mom of XXXX, inflation is high and a company took there vehicle back within the first payment month. At this point garnishment needs to be paid back plus pain and suffering. The main concern is the debt they are saying owed is exempt under state or federal law. 

In the state of Georgia, written contracts have a statute of limitations of XXXX years from the time the debt was due payable, but from the time of default. From your forms sent to me XX/XX/XXXX is when balance went in default. 

You are garnishing wages for a time-barred debt. Also for a contract that you breached, at the bottom of contract its states send a notice at-least 10 days of sale, and I had called in got payment owed, got money up within a month no letter, called and was told vehicle was already auctioned, then asked about my items that where in vehicle. Also my {$2500.00} down payment does not appear to account for anything instead it was added to the amount owed other than subtracted, so where did it go.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (TN)

On XX/XX/XXXX {$910.00} was transferred to a person that I didn't know and not part any contact by me. I file a dispute as soon I notice the transfer and inform my account customer service provider that I didn't approve of the transaction. I received an email by my account and they told me they didn't see an error and couldn't be refunded. I stated to them I go through XXXX XXXX  when sending funds to pay for bills and I don't use their service for that
Consumer complaint received 2024-07-10
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)

I have several inquiries on my Equifax report that I do not recognize. The Equifax Breach has caused detrimental effects to my credit and score. 

INQUIRIES : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX I also have a very large fraudulent account on my credit from ( XXXX XXXX The amount is for over {$8000.00} I don't know the exact amount because it's different depending on the report ) I have included a copy of the erroneous report on my credit.
Consumer complaint received 2024-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (GA)

You are now put on notice again to stop all collection activities and reporting. I am revoking that now. 
My demands are as follows : For account # XXXX To provide me with the audit trail which included XXXX. Account File XXXX. Ledger XXXX. All accounting documents XXXX. All transactional history XXXX. True Invoice- Not Statements Please be sure to provide everything demanded in this notice. If you are unable to provide the demanded information you must delete these accounts immediately. If you fail to communicate to the consumer reporting agencies that this debt is in dispute, that would be a violation according to 15usc 1692e ( 8 ) false and misleading representation. The law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692 ( k ). Furthermore more failure to honor this requested demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account has not been updated to my credit report. 

You have XXXX  days to reply.
Consumer complaint received 2024-05-11
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 writing to file a formal complaint and dispute regarding an account on my credit report that I believe is a result of identity theft. The account in question is with XXXX XXXX, and it was reported on XX/XX/year>. The details of the account are as follows : - Account Holder : XXXX XXXX - Reported Balance : {$710.00} - Credit Limit : {$400.00} - Account Type : Charge Account - Responsibility : Individual Account - Remarks : Charged off account, Account previously in dispute - Now resolved by data furnisher, First payment never received I am disputing the accuracy of the information reported for the following reasons : 1. **Identity Theft : ** I have reason to believe that the account in question is a result of identity theft. I did not open or authorize this account, and I have no affiliation with XXXX XXXX. 

2. **Inaccurate Reporting : ** The reported balance of {$710.00} and the charge-off status of the account are inaccurate and do not reflect my financial history or activities. I request a thorough investigation into the origin of this account and verification of its validity. 

3. **Resolution of Dispute : ** The remarks on the account indicate that it was previously in dispute and has now been resolved by the data furnisher. However, as I did not initiate this dispute, I request clarification on the details and outcome of the dispute resolution process.

4. **Protection of Credit Report : ** I request that immediate steps be taken to protect my credit report and prevent further damage resulting from this fraudulent account. This includes the removal of any inaccurate or fraudulent information from my credit report. 

I request that the Consumer Financial Protection Bureau prioritize this matter and conduct a thorough investigation into the identity theft and fraudulent account activity. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. 
- Correction of any errors or inaccuracies in the reporting of the fraudulent account. 
- Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

I have attached copies of relevant documents and correspondence related to this dispute for your review and investigation. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I have been conrtacted by XXXX XXXX, he keeps sending the same paperwork and stating that Wells Fargo Auto Finance was not present when the Loan Application went through. This makes no difference as I had banked with Wells Fargo since XXXX of XXXX 

I have my award letter from XXXX showing that I do not make {$2000.00}, which the seller put in as 'Assets '. I`ll be bringing tis up as a main part to the judge when my case goes before her this month. Wells Fargo Auto Finance is just as guilty as the dealership who ripped me off. 

Just by my SSN #, it would have showed on my banking records that I DO NOT make that amount. XXXX XXXX has repeatedly refused to lower my monthly payment amount, and I'm struggling financially.
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CA)

Received a debt XXXX message that sunrise ( collector ) is chasing debt {$XXXX} for company charter communication. 
I assume this was the last months charge Ive paid. I dont know how could charter open this mistakenly wrong debt collection against me. account XXXX subscription stopped in XXXX and equipment returned on XX/XX/XXXX. my service cycle ends XX/XX/XXXX. Last month service was interrupted and so bad.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There has been fraud associated with my social security which has led to credit card fraud. Four accounts have been associated with my social security ( XXXX Capital One accounts, XXXX XXXX XXXX ) and have added me as an authorized user and I have zero knowledge of these accounts. Tied to these accounts is a newly added address to my credit file that I have zero knowledge of as well. I can not remove these credit accounts due to the address being tied to my account.
Consumer complaint received 2024-05-11
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 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 informationisinaccurate.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Consumer complaint received 2024-05-10
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-22
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)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX ...., XXXX XXXX ..., XXXX XXXX ....
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm contacting you regarding fraudulent personal information linked to my identity. Unauthorized accounts and transactions have been wrongly associated with me, causing considerable distress. As a victim of identity theft, I've already reported this incident. This situation urgently requires attention due to its negative impact on my financial status and reputation. I request your immediate cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, take legal action to defend my rights and seek compensation. Your swift response to this critical matter is greatly appreciated.
Consumer complaint received 2024-07-22
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with ( XXXX XXXX XXXX ) 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 in ( MONTHS REPORTING LATE ) 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. 


( XXXX XXXX XXXX ) 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