davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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 am writing to express my frustration and disappointment regarding the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit file. I have made multiple attempts to dispute and remove these inaccuracies, but despite my efforts, the issues persist. This situation has caused significant distress and has a severe impact on my financial well-being. 

I have attached supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud and to assist in the investigation. I demand that you promptly initiate a thorough investigation into these matters and take immediate action to remove the fraudulent entries from my credit report. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily, I will have no choice but to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : $ XXXXpreviously Late Open : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On multiple recorded phone calls, latest being XXXX they verified my credit protection end XXXX but in my attachment it shows their last payment was in XXXX. In asking they pay all late fees and payments back dated to XXXX until now IMMEDIATELY. AND reported to XXXX XXXX
Consumer complaint received 2023-12-13
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (VA)

The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy XXXX # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX XXXXXXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-02-03
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. (KY)

I am a victim of identity theft. I've provided police reports and FTC reports to support. I have debt and accounts attributed to my credit profile that I do not recognize and I never authorized. The creditors and debt collectors have been contacted and refuse to fully validate debt as authentic beyond a reasonable doubt and pressure for payments despite the debt being the result of identity theft.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Dear CFPB, I am writing to lodge a formal complaint against the XXXX major credit reporting agencies XXXX, XXXX, and EQUIFAX, for willful non-compliance to remove personal information from my report and failure to maintain the accuracy and integrity of my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX. 

I sent this request on the following dates : XXXX. XXXX on XX/XX/2023 XXXX. XXXX on XX/XX/2023 XXXX. EQUIFAX on XX/XX/2023 Incorrect Personal Information and Identity Theft : Despite repeated requests, these agencies have failed to remove incorrect personal information from my credit report, including non-mailable addresses and non-reachable phone numbers. I am a victim of identity theft, as evidenced by an active identity theft report, which I have filed. The inclusion of incorrect information not only misrepresents my personal data but also exacerbates the risks associated with my identity theft situation. 

Failure to Update Personal Information : Additionally, XXXX, XXXX, and EQUIFAX have not updated my report to reflect my true and correct name. My credit report should only list XXXX name and XXXX address, representing my current and accurate personal information. 

Lack of Permissible Purpose and Consent : I have not consented to the inclusion of any additional personal information on my credit report. The inclusion of such information without my written consent and the lack of a permissible purpose for collecting and reporting this information constitutes a clear violation of my privacy rights under the FCRA. 

Potential Harm and Request for Immediate Action : Given my status as a victim of identity theft, the mishandling of my personal information by these agencies is not only a violation of the FCRA but also poses a significant risk to my financial security and well-being. I request immediate action from the CFPB to investigate this matter and ensure the correction of my credit report by XXXX, XXXX, and EQUIFAX. 

Please find attached the relevant documentation ( including identification ) with the correct personal information and the information that needs to be removed. This is being put in the document since its personal information.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I will seek actual damages which are greater than {$1000.00}. I want these items deleted off my credit reports effective immediately.Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : 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 credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation. My ID has been attached as well for verification purposes.
Consumer complaint received 2023-12-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MoneySpot USA LLC DBA Sunshine Loans (TX)

This man keeps calling my employer and threatening to come up here and give me documents and is very rude and after being told to not contact my place of employment keeps calling and calling my line, customer service operator.
Consumer complaint received 2023-12-12
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. (NJ)

This person never inquired if anything furnished on my report is accurate. They just took it upon their self to damage my reputation.

As far as Im concerned all of the inquiries, hard & soft does not belong.

They say that they reach out to the company to verify or validate but they never contact me to see if its the truth.

Thats a violation under the FDCPA Everything furnished on my report as of 10/12/23 is inaccurate, false & miss leading ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-12-12
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. (OH)

I got a copy of my credit reports all 3 bureaus and noticed inquires accounts on my file that are not mines not authorized not verified The accounts are listed below 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 2023-12-12
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: I.C. System, Inc. (GA)

I am reaching out because I have sent out dispute letters to these credit bureaus on these dates below : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I have yet received any information stating if they have verified these accounts or if the account is accurate. Upon my FCRA rights they have violated those rights that I have requested a dispute investigation on these accounts. I have been waiting to long for these accounts to be investigated.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Please remove the following addresses as they are NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX I instruct XXXX, XXXX, and EQUIFAX to remove these non-mailable addresses. 

Please also remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiry was an UNAUTHORIZED transaction. 


Also, please remove ANY AND ALL CHARGE-OFFS from my credit report. Charge off is considered a certificate of indebtedness and is also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and FCRA ACT. 


XXXX, XXXX, and EQUIFAX is reporting INCORRECT INFORMATION. You all continue to violate my rights when I have continuously written to you to conduct investigations and provide me with proof of who and where you confirmed your information with. With that being said, I have counted well over 20 inaccuracies as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am due compensation for your negligence and noncompliance to report accurate information even after investigations have been completed. Attached is proof that you continue to report inaccurate information even after I have had multiple communications with you all.
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Genesis Debt Recovery contacted me by email on XX/XX/2023, introduced themselves, and said they are trying to collect debt. The email stated I could call or write them by XX/XX/2023 to dispute the debt. I mailed them two certified letters requesting additional information about the debt before the deadline on XX/XX/2023 and have not received a response. They have been calling, emailing, and texting me. I've responded to their text messaging system saying " STOP ''. They emailed me again on XX/XX/2023 claiming the debt is now past due. I responded to the email notifying them that I sent letters to their mailing address and that my account should be under appeal. They have ignored my requests and failed to provide me with any other information about the debt they are claiming I owe, yet they continue to contact me.
Consumer complaint received 2021-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021 I deposited check for {$100000.00} from my XXXX XXXX XXXX  to my checking account at Bank of America - Bank of America tells me that funds not available until XX/XX/2021 On XX/XX/2021 I found out the funds were taken from XXXX XXXX XXXX!!! 

Where is my money and why not available until the XXXX? 1? 1 pls help - this is not acceptable
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. (MI)

XXXX, XXXX, Equifax and XXXX XXXX Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE XXXX XXXX OF MICHIGAN of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX, XXXX, Equifax and XXXX XXXX Is falsely stating on my credit report and have yet to remove this from my credit report.
Consumer complaint received 2024-02-03
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. (IN)

XXXX. Improper notice that I changed to a new address. 
XXXX. This affected my credit scores from all three companies. 
XXXX. Once corrected information was deleted by experiean, they did not put back the XXXX points that my score went down because of the error reported new address. 
XXXX. I have made repeated attempts to talk to someone at experian but just keep getting voice prompts. 
XXXX. There isn't any way I can state in writing or otherwise to get my credit score back to where it was.
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. (AZ)

On XXXX I attempted an online loan modification on my car loan with XXXX XXXX  in the reduced amount of {$110.00} with the intention to have my previously set up payment suspension program continue until XXXX and for the loan modifications first payment to be due on XXXX. 

I completed the modification online and I made the first payment on XXXX as I believed the first payment date was to be around XXXX for the amount of {$110.00} and that the payment suspension program would continue until XXXX. 

Instead, I later found that the online system calculated an incorrect payment amount of {$1100.00}, effective on XXXX which was the incorrect effective date, and due on XXXX just two days after the request was made. I also did not receive notifications via email about a payment reminder or anything related to a late payment after this modification was completed. 

I put in the request online and now I believe the automated system did not accurately receive the request but I was not aware until I received a 30 day late credit update on my credit, as I received no emails or phone calls that my payment was past due or updates regarding the new total and due date. 

With the attached agreement showing these errors, I am requesting that XXXX update my credit line for all 3 bureaus be updated to paid as agreed with the temporary payment suspension payment program extending to XXXX and with the correct monthly total of {$110.00} instead of 30 days late and a total of {$1100.00}. 

Also, I did not receive any disclosures and notifications on the correct payment amount and due date and the termination date of the temporary payment suspension program, nor did I get any warnings about the next payment being late as other lenders would typically do.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX