davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I filed an Equifax dispute in early XX/XX/2023 on a collection that I found on my credit report. I received a letter dated XX/XX/2023 from XXXX XXXX XXXX XXXX a debt collector that reported a {$280.00} XXXX XXXX debt to my credit. The name on the bill and letter is not me and it belongs to someone in another state with a different address. I contacted XXXX XXXX after filing my Equifax dispute. I was informed by the agent that I had to wait until the dispute process was over. I explained to the agent that the debt belongs to a different person and I wanted it removed immediately. I received the results from the Equifax dispute dated XX/XX/2023. The results stated, " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' How is this possible when I never had a dish network account and the person on the bill is a female. I filed another Equifax dispute on XX/XX/2023 and I attached the documents again proving I am not the person they are looking for. I contacted XXXX XXXX again on XX/XX/2023. The rep confirmed that the address and name on the account was inaccurate. Then he stated that he can not discuss anything on the account since the account does not belong to me. I asked them to get this debt off my credit immediately. He stated that I would have to call back the next day because he did not know how to fix the issue. I contacted Equifax right afterwards. The rep told me that I would have to wait on the results on the new dispute. I explained to him that I already filed a dispute and they somewhat " Verified '' this debt belonged to me which was impossible. All he did was repeat the same thing of wait for the results and file again if I felt it was inaccurate. This is poor customer service from both parties. Both sides are reporting inaccurate and fraudulent information my credit that has impacting me for months.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (VA)

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-10-10
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. (FL)

Demand Deletion I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presum that no proof of the allege debt, nor therefore any such debt, in fact therefore exists XXXX : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX. Account : XXXX XXXX XXXX Account number : XXXX XXXX. Account : XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} ( Collection ) Accounts doesnt belong to me remove immediately if you cant show proof of the original contracts with my signature agreeing to accounts with the creditors also step by step explanation on how you guys were able to verify that the accounts belong to me if i never signed any contracts with the original creditors listed above XXXX removed the accounts listed above off of my credit report how the XXXX were you guys able to magically verify an account that I never open belongs to me
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BMO Bank, N.A. (LA)

BMO Harris NA reported to XXXX on XX/XX/2023, a hard inquiry on my credit report that I did not give written authorization. I have no active account with BMO Harris NA on XX/XX/2023 therefore inquiry should be removed.
Consumer complaint received 2023-10-10
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to XXXX/Equifax/XXXX  regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Equifax/XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.
Consumer complaint received 2023-08-11
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. (FL)

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 information is inaccurate.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX and XXXX is reporting inaccurate information on my credit report. I call the court and they told me they dont report Bankruptcy to the credit bureaus. All 3 bureaus is reporting fraud on my credit report and i would like these to be removed ASAP.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX Appointments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Property Tax : Account : XXXX Environmental Health Department ( Reported Noise/Trash/Employee Harassment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Phone XXXX XXXX See Copies XXXX XXXX XXXX on XX/XX/XXXX rental assistance {$750.00}. 
ERAP Support ( ERAP XXXX XXXX, Texas {$8600.00} ( + ) rental assistance. 
Good Morning, XXXX Welcome to XXXX XXXX 's Emergency Rental Assistance Program XXXX XXXX is committed to accessibility for all applicants. If you require this material in an alternate format or have questions about the program, please contact us at XXXX. 

ERAP Awards ID Name Program Year Approved Action XXXX XXXX Tenant Rental & Utility Assistance XXXX {$12000.00} Start a New Application Application Name Description Action Landlord Rental Assistance Select this option if you are a LANDLORD in XXXX XXXX applying for the Rent and Utility Assistance Program.

Landlord ________________________________________ Id Name/Address Status TenantDetails TenantDetails TenantDetails XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Landlord Non-Responsive/Opted Out Regarding the above property the rent was being paid by XXXX XXXX covid-19 funding, local charity , and myself. XXXX was misappropriating funds. On XX/XX/XXXX cc # XXXX for {$1200.00} was never applied to rent along with {$150.00} deposit, funding was being allocated to other charges and not rent. Thereby depleting the allocated funds specifically for rent by XXXX XXXX, property manager ( XXXX ) XXXX and XXXX XXXX, assistant manager. 
The property manager opted to pursue an illegal eviction on XX/XX/XXXX after she opted out of receiving county funds XX/XX/XXXX then filed an eviction for XX/XX/XXXX. The last date in the apartment XX/XX/XXXX. Verify via XXXX at XXXX also on my credit report. 
The manager of the property opted out of covid-19 funding and their attorney stated, the property did not want funding from XXXX XXXX anymore and sent the rent for XX/XX/XXXX back to the county to give the appearance the rent was not being paid but in reality rent was over paid. Please see all attached documentation correspondence.
Consumer complaint received 2023-10-10
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. (FL)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

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

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-10-10
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. (WI)

wanted removal of thing damaging to my credit trying to apply for credit cards and was denied home loan as well these things should be removed according to 15 USC 1681 there should damage!
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I need Lowes Inquiry deleted. Unauthorized use of my personal information & I have no open personal accounts with them. 

A store attendant at Lowes encouraged me to opened a Commercial account for my business with the company. I agreed to opening a commercial account ONLY. But specifically told him multiple times that as long as it is not connected to my personal credit, ( because as I am in the home buying process & I was told not to have any Hard Inquiries or open any personal credit cards on my personal credit ). He assured me that there was no connection with business & personal credit as they are separate for a reason. A few days later, I saw a hard inquiry on my personal credit profile and I have no open accounts on my personal credit with Lowes. The store apologized & admitted wrong doing & I have been trying to work with them to solve the issue as the card issuer is not Lowes but Synchrony ( they have confirmed that I have no open accounts on my personal credit profile but the hard inquiry is still there ) but Im realizing that they have been taken for a loop, ( making me go in circles for over a month ) trying to get the hard inquiry removed off my personal credit profile as they promised. 

I have no personal open accounts with Lowes but I have a Hard Inquiry on my personal credit that was unauthorized by me.
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

I've made four calls to their customer service department of this Mortgage company to explain their estimate of a shortage spread of the escrow for taxes and house insurance of XXXX for this past year and a escrow increase of XXXX per month to cover this shortage. 

( On the back page of their legal sized letter was a projected shortage of XXXX for XXXX. ) Numbers based on last years fees {$1600.00} for property taxes XXXX paid paid on XXXX by the company And {$1300.00} for Home owners insurance paid on XX/XX/XXXX by the company total for last year XXXX The total collected by the escrow amount last year was XXXX per month equaling XXXX that leaves a shortage of XXXX!!!! 

I called the office of XXXX XXXX XXXX XXXX and was told my will be XXXX for this year with a 4 % discount if paid by XX/XX/XXXX leave a total of {$1700.00} which calculates a {$67.00} increase My home owners insurance went up {$130.00} from the previous XXXX to {$1400.00}.
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (IL)

Eastern Account System I Fraudulently added this account to all 3 of my credit bureaus reports with no proof of verified documentation from me on XX/XX/23 for {$510.00} of which was paid in full not by me I was told on XX/XX/23 or XX/XX/23. 
I've never had an account with this company nor have ever owed them any money. Nor have ever been in collections for any company they work for. 
They fraudulently added an address to my name that I've never lived at on my credit reports. 
They have part of my info for this account, which I have no idea of how it was obtained, the other half of the info belongs to someone else. 
They've Fraudulently said they've verified all information. The question is with whom? 
I'm entitled by law to know the list of names & addresses of all that was contacted to verify of this said account that was said it belonged to me, which it does not. And the names of persons who said they verified this fraudulently proof of documentation on this account. Also requesting copies of all proof of said documentation. 
I have never opened a account nor lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX or XXXX. I've lived in Illinois for almost XXXX. 
This debt has never been mine nor my responsibility. 
Eastern Acct System I is to contact XXXX, XXXX XXXX XXXX & have this Fraudulent account removed immediately from my credit reports. 
I've been inconvenient long enough with this emotional rollercoaster of someone in their company not doing their job correctly affecting my livelihood.