davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
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. (NV)

I am formerly informing The Credit Bureaus : XXXX, Transunion, XXXX, that I have opt out of sharing my Non public personal information with the Following Companies : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX I have taken appropriate steps to exercise my rights under 15 USC 6802 of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On ( XXXX ), I notified All The above companies that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services. I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the XXXX, I have reason to believe that the above companies have continued to furnish my nonpublic personal information to non affiliate third parties, and consumer reporting agencies are still reporting my non public personal information, without my consent. 

The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. I am requesting that the non affiliated third parties, to stop reporting my non public personal information on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the above companies and the credit reporting agencies complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. 

Thank You The Following are the compliant numbers Filed against each company. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto
Consumer complaint received 2023-06-19
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. (GA)

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 2023-10-31
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: Client Services, Inc. (GA)

Debt Collector, Client Services has recently sent me a collection letter regarding a matter that was supposedly, resolved, several years ago. They are claiming that I owe XXXX. They are so kind and wonderful to offer me to pay only XXXX to resolve a debt that I DO NOT OWE. This matter was resolved with XXXX XXXX and XXXXXXXX XXXX two years ago. You can reference my previous complaints with CFPB regarding this matter. 

Please reach out to Client Services and notify them that their attempt to collect a XXXX XXXX is considered fraud. Thank you.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The Equifax and XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX ( Original Creditor : XXXX WXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$990.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2024-04-16
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. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX A : STATES THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX U.S.C XXXX SECTION XXXX ( a ) ( XXXX ) 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 XXXX YEARS. XXXX U.S.C XXXX ( A ) ( XXXX ) 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 INFORMATIN IS INACCURATE.
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

XXXXYNCB/SAMS CLUB has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. SYNCB/SAMS CLUB has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Consumer complaint received 2023-12-20
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. (KS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

They contacted me about debt on XX/XX/2022. It turns out it is for a XXXX XXXX who lived at XXXX XXXX XXXX. I have never lived there. 
I responded XX/XX/2022 with debt verification request and questions from the guidance of the cfpb website. 

They communicated that they received my notice of a dispute and would pause all collection activity and said they would not resume collection activity until provided with valid documentation. However, there was never a pause and they had already submitted negative credit reporting online without contacting me first. They have also still never removed it nor have they responded to my questions that I had sent them.
Consumer complaint received 2023-12-20
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-20
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPSTART XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (VA)

XX/XX/ : Checked my savings account on discover app and noticed {$20000.00} was withdrawn by fraudulent check out of my savings account. ( Check was dated XX/XX/ ) I immediately called discover to let them know this was fraud and filed a fraud report. 

I called discover and spoke with many people trying to find out information on what the next step was, even trying to get a case number. Finally I was told I would receive all information on the case in the mail at some point. 
This all started from the time of XXXX leading up to receiving affidavit in the mail from discover of me calling for information, but it was hard to get any kind of information. ( I am still to the day calling trying to get updates, but told the case has no time frame ... therefore, I get very little information on my missing {$20000.00} funds ) XX/XX/ : I went to the XXXX, VA Police Department and filed a formal police report and later that day sent over all documentation I had to the officers email. 

XX/XX/ : I scanned and uploaded the signed and notarized affidavit to discover portal, immediately called discover and they said they received my information XX/XX/ : I received a phone call from an investigator for the town of XXXX that said he started the criminal investigation on the suspect of fraudulent check I have yet to receive any real information on how this obviously fake/fraudulent check was able to be withdrawn from my SAVINGS account with Discover Bank XXXX I am coming here hoping to get my funds returned and answers. 

Thank you for your time
Consumer complaint received 2023-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

When the company called me, they wanted to verify who I was. I told them because I have no idea of who they are, I will not give my personal information to anyone. However, please send me a letter and I will respond for sure. The company continued to call me relentlessly about a bill from XXXX XXXX XXXX XXXX, I told them I do not owe anything to this company and have proof that I will be willing to provide if they can send me something in writing. They sent nothing in writing but put that I owe money on all three of my credit reports and backdated the bill to XX/XX/2018, when it was just recently put on to my credit reports in XX/XX/2018.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I called XXXX to request that they update my payment history for their " Extra Cash '' from XX/XX/2022 to Equifax as I had a soft pull done for a home loan there was an account still open for it on my report for {$200.00} stating I was paying {$620.00} a month, which is untrue as I paid it on time and in full. They simply refused trying to get me to call Equifax to get it resolved. Equifax was equally unhelpful in filing a dispute stating that because they couldn't see it on my report in the last year they couldn't do anything. 

I ended up requesting my monthly statement from XX/XX/2022 and was told they don't keep records from that far. ( this is shady and I believe done maliciously to cover their tracks and wrongdoing ) requesting that they update the credit bureaus ( Equifax ) that I paid on time and in full they refused stating that they don't do that anymore. 

All in a lovely 2-3 hour phone call with XXXX I have nothing to help me.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently ensured that payments on this account are made in a timely manner, preventing any occurrences of overdue bills. However, I'm uncertain about the reasons behind the late payment remarks on my accounts. Referring to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-12-19
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 am writing to file a formal complaint regarding unauthorized actions taken by XXXX XXXX in relation to my business account. My name is XXXX XXXX XXXX XXXX XXXX, and I am the sole proprietor of XXXX XXXX XXXX, which is a limited partner with XXXX XXXX XXXX I recently discovered that XXXXXXXX XXXX had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX. Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. Considering these circumstances, I have sought legal counsel and have retained the services of Attorney XXXX XXXX to address this matter. I am hereby requesting that XXXX XXXX rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
Consumer complaint received 2024-04-16
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-12-19
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 am writing to file a formal complaint regarding unauthorized actions taken by XXXX XXXX in relation to my business account. My name is XXXX XXXX XXXX XXXX XXXX and I am the sole proprietor of XXXX XXXX XXXX, which is a limited partner with XXXX XXXX XXXX. I recently discovered that XXXXXXXX XXXX had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. Considering these circumstances, I have sought legal counsel and have retained the services of Attorney XXXX XXXX to address this matter. I am hereby requesting that XXXX XXXX rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a fraudulent inquiry on my credit report today. I was notified by XXXXXXXX XXXX. I looked and there was an inquiry by XXXX. I was shortly thereafter called by XXXX and asked if I had applied for a credit card with them. I had not. They informed me they had shut down the application and recommended I call the 3 credit bureaus independently to have this inquiry removed and reported as fraud. I did this. Each credit bureau then recommended I submit a fraud complaint on FTC.gov, from where I was redirected to the CFPB website. I am now submitting this.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In the month of XXXX, as evidenced by the attached receipts, I requested an investigation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). This act mandates that my information be accurately and completely displayed on my credit report. My dispute is not about the ownership of the accounts, as I acknowledge they are mine. 

My concern is solely about the accuracy of the information as required by FCRA Section 1681, which all Credit Reporting Agencies must adhere to. While some items were removed from my credit report ( as detailed in the attached documents ), they were later reinserted with the same inaccuracies. This reinsertion occurred because the creditor claimed the information had been verified as correct. 

According to the FCRA : ( i ) Certification of accuracy of information : If any information is deleted from a consumers file pursuant to subparagraph ( A ), it can not be reinserted into the file by the consumer reporting agency unless the furnisher of the information certifies that it is complete and accurate. 

The following accounts are still inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached you will find certified mail receipts and copies of my current credit report with the mentioned accounts and inconsistencies.