davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding these erroneous accounts, it appears that Equifax credit bureau has failed to take appropriate action and continues to report them. 

I urgently request the immediate removal of these accounts. These oversights on your part are causing me significant financial hardship. Failure to comply will leave me with no choice but to pursue legal action against both the bureau and the responsible entities. This is not merely a request but a demand for compliance with the law and justice for the affected consumer. Thank you for your attention to this matter. I have no idea where you obtained the following accounts. 

XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-05-10
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. (AZ)

I am natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the below be removed because according to the USC1681 : I Have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, My account with XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-09-04
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)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( XXXX ) on the respective date ( XXXX ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX  provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates (VA)

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTENINSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT.As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card AND FTC AFFIDAVIT proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS LAW CODES .15 U.S Code 1681b, 15 U.S. Code $ 1692c
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX  on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ).

Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing.

Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc (TX)

I applied for an apartment in XXXX Texas. I was screened by a company called XXXX and they flagged me for Debt to a property that I never lived at, and was impossible to live at as I was not a Resident in that state at the time and the debt was placed in my name from XXXX to XXXX. It is hindering my ability to have a apartment lease to me, and I am facing possible homelessness. Hunter Warfield is the creditor and I flagged it with them but they have not done anything.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was in shock and utterly dismayed to find inaccurate accounts on my credit report today. This was completely unexpected, as I had just checked my report as usual, but noticed new discrepancies. I attempted to fix the issue by refreshing my browser, but the errors stayed put. I need the documents I've submitted to be inspected carefully so I can be reassured that this won't happen again.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Diversified Adjustment Service, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX, XXXXXXXX XXXXDiversified Adjustment Service, XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXXReference Number XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute a debt that your company claims I owe to XXXX  under account number XXXX. I believe this debt is the result of identity theft, and therefore, it is not my responsibility to pay it. 

On XX/XX/year>, I received a bill from XXXX for this account, which I did not open or authorize. I have already contacted XXXX  to dispute the validity of this debt and have provided them with supporting evidence, including a copy of a police report. Despite my efforts, this issue remains unresolved. 

As this account is fraudulent and was opened without my consent, I request that you cease any further collection activities on this account. Additionally, I demand that you take the necessary steps to ensure that this debt does not appear on my credit report. 

Please consider this letter as a formal dispute of the debt. I also request that you provide me with the name and address of the original creditor, along with any documentation that proves I am responsible for this debt. 

I appreciate your immediate attention to this matter and expect a response confirming that this issue has been resolved and that you will no longer pursue this debt. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Florida Financial Management dba Lend A Dollar (TX)

I have an email requesting that payments be stopped due to a job loss the email from The owner was very unprofessional and it was stated no money would be removed from my account but my card started to be ran for smaller amounts less than loan amount until account was forced to be in the negative I also automated calls with a demand for payment or they would send previously signed checks to the bank
Consumer complaint received 2024-08-21
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. (AZ)

My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Edge Home Finance Corporation (TX)

On my credit reports it is listing inquiries that I did not authorize. In the month of XX/XX/2023 it was a total of XXXX inquiries from mortgage companies. I tried reaching out to XXXX to get information from the inquiries as well, and they told me they can not assist me
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (TN)

XXXX XXXX  was the name of the original business, which was turned over to validated customer accuracy back in XXXX. It was removed from my credit record and cleared due to my inability to verify the customer. I came upon a new collection in XX/XX/XXXX, stating that a new debt collector named XXXX XXXX XXXX XXXX for XXXX XXXX had taken over an account that wasn't mine. Ask the business to confirm accuracy, providing the name and amount no response. Since then, the collection has been sold to Vance and Huffaman LLC, whose XX/XX/XXXX reporting date is accurate and lacks any original loan documentation verification. According to FTC violation 15 u.s.c 1681c-2 and 15 u.s.c 1681b. 15 u.s.c 1681s-2. & violation 25 CSR 11.443 ( c ).

This meets FRCA requirements and needs to be removed immediately from all three bureaus.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (CA)

Vance and Huffman have a collection account on my credit report for an account that I do not owe. They keep hanging up on me when I try to call them. They have not sent a debt verification letter to prove that I owe them any money. Ive disputed this with XXXX but Vance and Huffman refuse to delete the account from my credit reports. They are scammers committing fraud and I want them to delete their information from my credit report on all three credit bureaus immediately. If they do not remove this fraud account, I will sue them.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (MI)

On XX/XX/XXXX, I wrote Acima asking for validation of debt no response. 

I wrote another letter on XX/XX/XXXX stating I might be a victim of identity theft. 

Acima wrote back XX/XX/XXXX, however, they didnt sent the documents to verify the account. 
Please look into this matter
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I booked a rental car with XXXX via XXXX For XX/XX/year> upon arrival I was charged for XXXX separate refundable deposits XXXX for XXXX and another for XXXX. ( I was only supposed to be charged for XXXX deposit!!!!!! ) they told me both are refundable and are just for accidentals! And will be returned! Moving forward the car given to me was super unsafe and did not meet standards problems such as a broken drivers door, broken/ missing headlights, and I found out the horn didnt work while driving! Putting me in a life threatening situation! I contacted the Rental Company with all my grievances in hopes of an exchange for a safer vehicle! They told me they didnt have any and that they would call me when XXXX became available ( they never called me ) I ended up returning the car and the person doing the inspection told me the money I deposited ( $ XXXX {$250.00} ) will return in XXXX  days.. the company ends up trying to keep both deposits with claims that I returned the car dirty! $ XXXX the company is trying to scam me out of for false claims!! And CAPITAL ONE IS ALLOWING IT TO HAPPEN! no proof no proper investigations are done by CAPITAL ONE! they never even attempted to contact XXXX! and since I made a claim with me bank XXXX can no longer negotiate on my behalf so its solely up to CAPITAL ONE to thwart this companys attempt of fraud!!! I have a another complain with Capital ONE being handled by a XXXX EXT XXXX whom I attempted to contact on multiple occasions ( email, voicemail ) and Ive never received or heard anything back!! The communication is horrible I can never get in touch with the representative no matter what do! Capital One is allowing me to get scammed and is failing to properly protect their customers from fraudulent situations as such! ( assign someone other than XXXX please someone the returns calls or reaches out! )
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

On XX/XX/year> XXXX Unauthorized transactions were made on my Account, Upon noticing I immediately notified my bank, Around the XXXX business I received a letter notifying me that they were working on the Dispute, today is the XXXX business day since opening the dispute and I havent heard anything from my bank and received no provisional credit. I called my bank and let them know Reg E. states if the dispute takes more than XXXX business day to be resolved a provisional credit must be provided. The XXXX Department XXXX told me that they do not have to provide me with any provisional credit and its up to the bank. Which is in complete violation of Reg E.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX has violated my rights., 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 a account without my written instructions
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

On XX/XX/year> I opened a checking account for BMO Simple Business Checking Account with a promotion code attached. This promotion included up to {$1000.00} for meeting qualifications, including an average collected balance of {$30000.00} for 90 days. I met these qualifications listed on the terms, but BMO has refused to pay the {$1000.00} promotion, citing that i did not meet the requirements, including XXXX debit card transactions. The debit card XXXX transactions were not listed in the original promotion. BMO promotinos vary from state to state. In fact, in California there is no mention of transactions in the original promotion anywhere on BMO site at the time in XX/XX/year>, nor is it listed as a requirement in the current California promotion today. See attachment for similar promotions in XXXX  currently, where the debit transactions are not a requirement.