davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

To Equifax, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable of aggravated identity theft which is punishable for up to 2 years. 
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 accurate. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
2. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) 281 SW715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. As a consumer, and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative. 
I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. 
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS. 
Thank you! 
XXXX XXXX
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

XXXXXXXX XXXX XXXX is showing a balance of XXXX dollars account on my credit report I have no knowledge of this account it was open fraudulent I have never had XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (OH)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-31
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
Product: Credit reporting 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)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a dispute to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking the Federal law. 

In accordance with the Fair Credit Reporting act. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( iii ) the information is in fact, inaccurate. 

This is unfair and they are doing this to me imagine who else they are taking advantage of and also doing this too. Can you guys please fix this
Consumer complaint received 2024-08-31
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc. (NE)

Hello. I started this debt settlement program with Beyond Finance. I started making payment of {$91.00} something from XXXX to XX/XX/year>. When i checked my credit report there was only {$15.00} payment to XXXX XXXX account they were trying to settle. I already paid around {$900.00} maybe by paying {$91.00} every XXXX weeks and only {$15.00} was paid to the account. The rest of the payment goes to them. Even before i got into their program I was able to settle a few account with XXXX by negotiating directly before. No account was settled with Beyond finance. With that {$900.00} ( estimated amount ) i paid them they should have at least settled XXXX accounts. The promise to help me with my debt was not delivered. The program was almost 5 years when i have very little debt which are payable in XXXX years with set up payments. I was not really happy about their service and their staff will just say, you signed this and that. They should have reiterated that the ratio of payment to the creditor will be {$900.00} : {$15.00} then i should have not signed up for their program. All my payments just went to their fees. I wasted 6 months on their program.
Consumer complaint received 2022-03-23
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (CO)

Wise, Cancelled and returned my long established monthly retirement payment from XXXX. It seems wise returned the payment to the XXXX retirement distributor. 

Wise claims that this transfer was cancelled because more information were needed. Wise did NOT contact me and requested any information. I contacted wise multiple times to resolve this issue without any success. 

It will take me multiple months to change the XXXX retirement payments distribution to a new account. At this time, I have no idea how to recover the already lost payment ( s ).

Please be aware, you are on your own if something goes wrong. What a MESS!
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX has violated my rights. Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.

Moreover, under the Fair Credit Report Act, this information is incorrect as I do not have ANY active Bankruptcies.

This is the only credit bureau that refuses to remove these inaccuracies and it is a direct violation of my rights.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (CT)

I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-14
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)

My information was sold and bought illegally because I am a victim of Equifax data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has deleted these accounts due to my information being sold from their data breach. 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 As well as inquiries on my XXXX report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. 
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  I do not contact these companies for the following dates that have been listed with XXXX XXXX nor do I have accounts for the other companies. 
I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from Equifax. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am submitting supporting documentation to have three fraudulent accounts removed from my Equifax Credit Report, which Equifax is clearly in violation of the U.S. Constitution and HJR 1902. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. Equifax, Ignorance of the law is no excuse. I have shown you and you have been put on notice that you are reporting inaccurate and fraudulent information. The continued reporting of this inaccurate and fraudulent information is a clear violation of the Law 15 USC 1681 s-2 and HJR 192 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate and fraudulent reporting. This is my 3rd time and final attempt to correct this matter before I take this to court a file a lawsuit to seek damages for not comply with the FCRA and HJR of XXXX.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (MD)

Bankruptcy reported on credit. Not public records how was information released. 

XXXX  XXXX Bankruptcy : Bankruptcy XXXXXXXX XXXX XXXX {$0.00} Discharged
Consumer complaint received 2024-01-14
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. (MI)

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. I want proof of this account i dont recognize
Consumer complaint received 2024-01-14
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. (NY)

In accordance with the Fair Credit Report act.

ACCOUNT XXXX XXXX XXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. 

The next account request removed pay late. XXXX XXXX XXXX XXXX XXXX  has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX. In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, 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 2024-01-14
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)

XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$27000.00} WAS INACCURATE REPORT ON MY CREDIT REPORT. 
XXXX XXXX TOLD ME THEY DONT HAVE THIS ACCOUNT UNDER MY NAME AND PAYMENTS HISTORY INCORRECT THAT I SHOULD CONTACT THE CREDIT BUREAUS FOR DELETION. 
DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2021-07-19
Product: Debt collection — Federal student loan 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: TDS Financial LLC (AZ)

I have got multiple threats and calls from a place called RR Solutions based on in California from a number XXXX. They have called my place of business and told my job they are trying to serve me papers because of debt that I owe from a college back in 2016 for the amount of XXXX. I have called that school and they don't know what I am talking about. I have also called my student loan company and they have told me they haven't sold my student loans to a third party and when I tried to explain that to this company and asked for a letter of proof they were verbally abusive and told me they are going to take my car and I'm going to owe them thousands of dollars for XXXX years. The person said her name was XXXX XXXX.
Consumer complaint received 2024-01-13
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. (MI)

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. PAYMENT HISTORY IS OUTRAGEOUS
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX are both charge-offs the irs clearly states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification.

And 15 USC Code 1681e B states ( b ) Accuracy of report Whenever a consumer reporting agency pre- pares a consumer report it shall follow reason- able procedures to assure maximum possible ac- curacy of the information concerning the indi- vidual about whom the report relates.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NH)

I have told Midland Credit Management to cease all contact with me and that I was consulting with a lawyer regarding the debt account they state I owe that they have purchased from XXXX XXXX XXXX ( XXXX XXXX ). This account was opened in XXXX ( XX/XX/year> ) of 2021. It has almost reached its statute of limitations for New Hampshire for debt collection ( credit cards ). I let them know this, and I let them know to stop all contact with me via phone due to the representatives extremely rude and threatening demeanor. I was told today via the phone " You can not run from this debt forever, XXXX. '' and " We will keep calling you, we are allowed to continue calling you. '' Which is against the law in all shapes and forms, from what I have researched, if you request them to not call you, you are within your rights. I have also disputed this a couple of times, and they refuse to send me any information regarding my disputes, they just close them and tell me I am not allowed to submit anymore. I am sick of the way they are treating me, the woman who continues to call me has a rude and almost sarcastic tone about her every single time and like I said, she has said to me today and several times " you need to stop trying to run from this debt, you are responsible for this debt. '' which is very aggressive to me. I also was met with her saying " you answering my follow up phone call will determine the outcome of this debt collection account. '' which to me sounded threatening in a way, essentially saying if I don't answer their phone calls, they'll take me to court or something, which legally, they can not in New Hampshire now, because it's past the statue of limitations. I am just done being bullied by them, so I am reporting them, thank you.
Consumer complaint received 2024-01-13
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)

I have reviewed my consumer reports and noticed that I had a late payment on XXXX accounts ( XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX ) that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks!