davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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)

Equifax has egregiously violated my consumer privacy rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, Equifax continues to maintain inaccurate and unauthorized information in my credit file, despite previous notification. This includes extensive transaction details that are solely between me, as the consumer, and the companies I do business with. The magnitude of irrelevant transaction data demonstrates Equifax 's willful violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), which strictly prohibits such information.

This ongoing issue was initially raised in CFPB complaint # XXXX, yet Equifax has failed to adequately address it. I have not provided permission for Equifax to access or use my detailed transaction history, which is a clear violation of 15 U.S.C. 1681b ( 2 ).

In response to the CFPB complaint, Equifax stated that the account SELF/LEAD BANK was verified as accurate pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). I am requesting a description of the specific procedures used by Equifax to determine the accuracy and completeness of this account information during the investigation.

Pursuant to 15 USC 1681i ( a ) ( 7 ), Equifax has 15 days to provide me with the requested investigation information detailing the verification procedures used.

As a trusted custodian of sensitive consumer financial data, Equifax has breached its fiduciary duties by intentionally misusing my information. The unauthorized inclusion of my transaction details exemplifies Equifax 's bad faith and negligent handling of my data.

If prompt action is not taken to permanently delete the inaccurate transaction information and comply with FCRA consumer protections, I will pursue legal action to enforce my consumer rights, including seeking maximum statutory damages under 15 U.S.C. 1681n ( a ) for Equifax 's willful FCRA violations.

Equifax must immediately implement stronger data privacy policies and internal controls to prevent further harm. Please confirm receipt of this notice and provide the requested information within 15 days, as required by the FCRA. I look forward to your timely response.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is a formal complaint that I would like to inform you that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I assumed that they rectify these violations and provide me with accurate and updated credit report immediately. I demand a faster deletion and appropriate remedies as per the law. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I am pleased to request the removal of the fraudulent items associated with the mentioned items, as thay were negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX AV XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$210.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Global Lending Services LLC (GA)

I would like for your company to dispute : Only ONE name should appear on all my credit reports that should be XXXX XXXX Old business names Old business bills ( workers comp and general liability bills if there I want removed ) Old addresses ( po box es and physical addresses ) Old phone bills, light bills etc. 
Old phone numbers ( All old phone numbers ) Old email addresses Charged off bank accounts Over past due loans Charge-offs Repossession of one vehicle charge off still on reports Medical bills Student loan evetho are in good standings still have past due non-payments on all three credit agencies Self builder account charge off
Consumer complaint received 2023-11-08
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. (NJ)

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 2023-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (FL)

I sent a letter on ( XXXX  ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX MORTGAGE 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 EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (PA)

I am writing to file a formal complaint regarding the unresolved correction of late open accounts on my credit report despite numerous follow-up attempts. 

Despite multiple submissions of disputes and diligent follow-up efforts, the correction of these late open accounts has not been addressed satisfactorily. 

As a consumer, I am deeply concerned about the accuracy and fairness of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. 

I demand that your agency conducts a thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$140000.00} ; XXXX  XXXX Balance : {$190000.00}.
Consumer complaint received 2024-01-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I am writing to address a concerning matter involving Charter Communications ( XXXX ) that has resulted in my unjust placement into collections for an alleged amount of {$340.00}. I am providing you with a detailed account of the situation, including relevant dates, amounts, and actions taken : Date of Equipment Return : XX/XX/2022 Description of Incident : On the specified date, I returned the equipment to Charter Communications, as evidenced by the attached receipt. Despite this, I have been erroneously charged {$340.00}, with the claim that the equipment was not returned. 

Action Taken by Charter Communications : Despite providing evidence of the equipment return, Charter Communications has still placed me into collections for the alleged amount. This has adversely impacted my credit report.

Resolution Requested : I request that the collections account related to this incident be promptly removed from all credit bureaus. The attached receipt serves as irrefutable evidence of the timely return of the equipment. I believe it is imperative to rectify this situation promptly to restore the integrity of my credit report.

I appreciate your immediate attention to this matter and trust that it can be resolved promptly.

Sincerely,
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

THIS AMENDMENT TO CLAIM FILED AGAINST XXXX XXXX XXXX XXXX XXXX XXXX reported account charged off and closed in XXXX XXXX. Then XXXX XXXX Reported the account closed againXXXX with over XXXX which is false see my attached XXXX XXXX credit report XXXX XXXX XXXX reported the account closed more than 6 years ago. This debt is barred from collecting statue of limitations has ran.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for its repeated failure to respond and investigate the discrepancies on my credit report. Despite multiple attempts to dispute inaccurate information, I have not received a satisfactory resolution from TransUnion. 
The items in question that I have been disputing are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX and XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Additionally, I have been disputing inaccurate names and addresses listed on my credit report. My attempts to address these issues with TransUnion have been met with minimal response. 

For your reference, I have sent disputes to TransUnion on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, the only response I have received from TransUnion was dated XX/XX/XXXX, which stated, " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The Fair Credit Reporting Act ( FCRA ) explicitly mandates that if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine accuracy. TransUnion 's failure to undertake a reasonable investigation upon receipt of my dispute is a violation of my consumer rights under the FCRA. 

Enclosed, please find a copy of my dispute letters sent to TransUnion and their response from XX/XX/XXXX as proof.
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Credit Central Holdings, LLC (AL)

I received a voicemail from Credit Central - XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX. A lady called looking for XXXX XXXX regarding a loan she received. XXXX XXXX used my name as a contact for this loan ( recently learned there are others loans where she is using me as a contact ) and they like Credit Central Never called to confirm consent from me to be used as a contact on this loan. I have a mortgage loan origination license, insurance adjuster license and a non-profit organization which is why I would not sign on behalf of another persons loan ( even as a contact ). I have been trying to contact Credit Central, left voicemails and no call back as of to date.
Consumer complaint received 2024-04-21
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)

On XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the Reporting Agencies reported on my Acct : XXXX, late payments. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information to my consumer reports.
Consumer complaint received 2023-12-07
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. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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 2024-01-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I did not live at the property nor was I on the property at all during the time the lease was signed. The leasing agent clicked through the lease and attached my electronic signature to the lease. My father is the only one that was in the office when she did this as he was there to resign the lease with just his name since I had moved out.
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

It showing on my credit report it was removed before then they put it back on there, I have talk to someone because its two accounts one was open XXXXXXXX  and the other one XXXX. I never open an account with them. My identity was stolen before. I havent received the original contract and I would like within 30days
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing this letter regarding the violations against me as a consumer by this credit bureau. 15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information. 
Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for all the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint regarding the unresolved correction of late open accounts on my credit report despite numerous follow-up attempts. 

Despite multiple submissions of disputes and diligent follow-up efforts, the correction of these late open accounts has not been addressed satisfactorily. 

As a consumer, I am deeply concerned about the accuracy and fairness of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. 

I demand that your agency conducts a thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$140000.00} ; XXXX  XXXX Balance : {$190000.00}.
Consumer complaint received 2024-01-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (GA)

Company named " XXXX XXXX XXXX  '' filed for their bankruptcy. I was using their XXXX service and the treatment was still in XXXX but no one is supporting from their side on how to go ahead with XXXX and XXXX payments. They had given a XXXX XXXXXXXX XXXX as well. 

Since this company is not able to provide me treatment and my XXXX XXXX XXXX, I stopped their future payments [ XXXX XX/XX/XXXX ] and raised dispute around XX/XX/XXXX on last payment made on XX/XX/XXXX which was done with a third party company called " XXXX XXXX XXXX ''. This company is handling XXXX for XXXX XXXX XXXX. 

When I stopped their payment, I got a letter from them around XX/XX/XXXX and they are threatening me to send the amount to collection which is going to impact my Credit Score. Had a call with their Executives and explained the complete situation of Bankruptcy [ which they were aware of ] but found no solution and because this was going to impact my credit score, had no other way but to start the payments again.