davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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. (CA)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I SENT DOCUMENTATION TO THIS COMPANY THAT THIS ACCOUNT IS FRAUDULENT AND MUST BE REMOVED! THE COMPANY HAVE REFUSED TO ACT ON THIS MATTER. I KNOW MY RIGHTS AS A CONSUMER. IN REFERENCE TO 15 USC 1681C-2A AND 15 USC 1681B
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Dear Sirs : I made my mortgage payment that was due on XX/XX/2018 on XX/XX/2018. Copy of that payment notification is attached. Ditech has not posted this payment to my account to reflect that the payment was made. They created a statement on XX/XX/XXXX reflecting that the payment is due on XX/XX/2018, attached I called during the week of XX/XX/XXXX- XX/XX/XXXX and was directed to the servicing department who stated that they would fix the issue and that i would receive an E-mail to that affect. I received an E-mail that the problem had been fixed and was directed to go to the web site. I went to my account on the web site and nothing had changed. I called the week of XX/XX/XXXX-XX/XX/XXXX and was told that there was a computer issue and that i would receive a statement. This has not happened as of this note to CPFB
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

I am writing regarding the attempt to collect a debt that I do not owe. Despite my repeated requests for verification of this debt, I have not received any satisfactory response or proof of its validity from none of the parties involved Comenity Bank, XXXX XXXX XXXX nor XXXX XXXX XXXX. Previously, I had a credit card with Catherines through Comenity Bank. I purchased XXXX identical pant suits in different colors. Due to a delay in delivery, I received XXXX suit initially. Upon inspection, I found it unsatisfactory and returned it. When the second suit arrived, I immediately returned it to the sender. Throughout the return process, I was in regular contact with Comenity Bank regarding my payments. As both items were returned, I did not owe a balance. I request that you cease all collection attempts and remove any incorrect information from my credit report related to this matter.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX I was paying XXXX a month until XX/XX/2023 they stop taking the payment PORTFOLIO RECOVERY Have put me in collection with 2 accounts!! How can they do that if this company is illegal
Consumer complaint received 2023-12-11
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. (NJ)

According to the fair credit report act the list of accounts have voliated my federal protected consumer rights to privicy and confidential under 15 usc 1681 Acct name : XXXX XXXX XXXX XXXX  # XXXX 15 u.s.c 1681 section 602 A states I have right to privacy. 15u.s.c 1681 section 604 A section 2 it also states a consumer reporting aganevy can not furnish a account without my wtitten instructions 15u.s.c. 1681 states no consumer agency my make any consumer report containing any of the following items of information any others adverse teams of information other than records of convictions of crimes which aquects the report by more then seven years 15 u.s.c a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc (TN)

XXXX, XXXX XXXX, XXXX XXXX, XXXX have all refused to validate or show any signatures or photo ids used in this fraudulent activity against me.What they report is untrue, incomplete, and inaccurate... in fact it's fraudulent and they know it.This is fraudulent what these entities are slandering my credit report with causing me great distress and and kaleidoscope of multiple other damages and the know it, can't validate, as it don't exist, it's not mine, and I do not owe them anything.In addition to their fraudulent credit reporting, thereby engaging in fraudulent activity against me themselves they in addition to the great damages they have caused have violated many rules and my rights.I have nothing to prove to them, their predicated and mandated to prove to me through validation which they have refused to do as they cant as it don't exist, it's fraudulent, it's not mine and I don't owe them anything.In addition after failing to adhere in good faith to the rules the have been told to remove as what they report is supposed to be accurate, complete, and truthful and its none of these in fact it's fraudulent.Theyve further violated multiple times more with Tate and Kirlin and have been officially put on notice of which they violated cease and desist among other dishonest tactics of trying to gain off of their intentional fraudulent credit reporting.Will not hsppen.They all have been put on notice for their dishonest fraudulent and damaging violations against myself.Remove all fraudulent credit reporting against me as you all have been put on notice and totally disregarded that as well which adds to the list of violations as and dishonest fraudulent damaging activity all entities listed above have engaged in blatantly with total disregard for rules and my rights or just honesty in general.Again stop engaging in fraudulent credit reporting against me.It is fraudulent, it is not mine, and I do not owe anything. 

In addition : All have been officially put on notice they didn't even have my address til they seen it on my complaint against these frauds on my CFPB complaint, at which time they attached my real address to their fraudulent credit report against me to make it look more credible, but were caught.You failed and your scam is exposed and has been put officially on notice you've all shown total disregard for still.This is not acceptable, its outrageous and disturbing and their dishonest fraudulent practices should never be allowed.All lies against me and my name will not be tolerated
Consumer complaint received 2023-08-30
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XXXX XXXX XXXX XXXX XXXX XXXXXXXX I wrote to Equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/2018 a repossion validation letter was sent certified to NMAC regarding a reposession. 14 days was given for the company to respond and to provide the documents in question. NMAC did not respond at all. Since tracking was attached I know that the letter was received on XX/XX/2018 at XXXX XXXX. Since NMAC failed to respond with the appropriate documentation within the allotted 14 days they are no longer permitted to report any deficiencies related to this account on my credit report ( s ).  Per FDCPA and FRCA regulations. NMAC is now in violation by continuing to report this deficiency with fine starting at {$1000.00}. I fully intend to pursue litigation is NMAC does not remove this erroneous debt from my credit report. All opportunities were given for NMAC to validate this debt. NMAC does not have permission to contact me by phone, e-mail, or US postal mail. All communication is to be through the CFPB. I hope that this can be resolved quickly as I am a litigious individual and will not hesitate to seek damages against NMAC under all available State and Federal statutes and UCC-9 remedies as well as violations from FRCA and FDCPA.
Consumer complaint received 2023-12-11
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-12-11
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-12-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (CA)

Bridgecrest refused to provide a paper form of invoice/bill after numerous request by phone requesting this method of debt invoice. Was never given any notice before repossessing my car nor was I provided any information on my options ways to catch up or settle my delinquent balance.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Consumer complaint received 2023-08-30
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX According to the IRS, This XXXXXXXX XXXX XXXX XXXX  is canceled, forgiven or discharged and it is taxable income to me, they refused to send me Form 1099-C, " Cancellation of Debt, '' for this debt that was withdrawn and written off, This debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report.
Consumer complaint received 2018-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Around XX/XX/XXXX, I disputed late payments on my credit bureau report with TransUnion Consumer Relations for an XXXX XXXX XXXX account # XXXX that appears on my credit report. They have reported the account 30 days late on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and the following months in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and 60 days late on XX/XX/XXXX and XX/XX/XXXX. The account is paid by automatic payment each month and I receive notice on the XXXX of each month of the upcoming payment and details of the remaining number of payments. On the XXXX of each month, I receive notice of payment processed. I submitted the copies along with XXXX 's XXXX bank statement showing that the payment had been made. TransUnion did not update my report to reflect that the payments were received and basically just sent me a copy of my credit report. Their cursory " investigation '' was done. They simply ignore any back up documentation that was sent. I want the late payments deleted from my account as the payments were made and each month XXXX received the automatic payment and sent an email stating receipt of payment was made. The report should reflect {$390.00} as the payment amount received and late pays should be deleted.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft I have attached all supporting documentation to support my such as police report and all verifiable identification, I demand that these inaccurate fraudulent accounts be blocked and removed from all three credit reporting bureaus immediately
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX