davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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. (MA)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Removal of Erroneous Hard Inquiries from Credit Report CFPB Complaint No. XXXX Dear Equifax Information Services , I am writing to express my concern regarding four hard inquiries listed on my Equifax credit report XXXX which I have previously disputed through a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under the complaint number XXXX. Despite providing all necessary documentation to prove my unawareness and non-authorization of these inquiries, they still remain on my credit report, negatively impacting my credit score. 
I would like to highlight that the other two major credit bureaus have already acknowledged the validity of my complaint and have removed these inquiries from my credit reports. This action was taken after recognizing the potential negative impact and the lack of any linkage to my accounts, as per the evidence I submitted. 

Moreover, I had a conversation with XXXX XXXX, a supervisor at Equifax ( Agent Number XXXX ), on XX/XX/year>, who assured me that Equifax would " follow suit '' in removing these inquiries, considering the action taken by the other bureaus. Despite this assurance, the inquiries remain, and no further communication or resolution has been provided by Equifax. 

The continued presence of these inquiries on my credit report is concerning and suggests a violation of the Fair Credit Reporting Act ( FCRA ), specifically : - **Section 611 ( 15 U.S.C. 1681i ) **, which requires Equifax to conduct a reasonable investigation into the disputed information.

- **Section 623 ( 15 U.S.C. 1681s-2 ) **, which mandates furnishers to provide accurate information and investigate disputes received from consumer reporting agencies. 

Enclosed are copies of the removal confirmations from the other two credit bureaus and all relevant documentation previously submitted to support my claim. I urge Equifax to immediately conduct a thorough and fair investigation into these disputed inquiries and remove them from my credit report as previously discussed. 

Please treat this matter with urgency, as the continued inaccuracies not only undermine my financial integrity but also impede my ability to secure future credit. I expect a prompt response within the mandated timeframe under the FCRA, confirming the resolution of this issue. 

Thank you for your attention to this serious matter. I am keen to see a swift action on your part to correct these discrepancies. 

Sincerely, XXXX XXXX Enclosures : - Proof of Removal from Other Two Bureaus - Copies of Previous Correspondence and Documentation - Record of Call with Supervisor TXXXX  ( Agent Number XXXX )
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX reports a balance that is XXXX ( XXXX ) times what it should be. Balance should be around fifteen ( XXXX ) XXXX dollars for this account/trade line but is reporting with a balance in excess of XXXX XXXX ( XXXX ) XXXX dollars to XXXX, Experian, and XXXX XXXX XXXX has also failed to send billing statements to correct address and thus has not provided me with statements consistent with CFPB interpretation of Regulation Z. While statements may be alleged to be available online, I am a XXXX individual that suffers from XXXX that leads to periods of photo- and phono- XXXX making it difficult ( and painful ) for me to retrieve statements online during episodes. As such, I rely upon paper statements.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, XXXX YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. 
PLEASE DELETE the following account immediately for failing to comply with FCRA. 

XXXX XXXX XXXX THANK YOU FOR YOU TIME
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

For many years I have been fighting with the VETERANS AFFAIRS concerning health issues and benefits. Last summer I finally obtained a 100 % XXXX rating for XXXX XXXX issues. Approximately XXXX XXXX ago, while trying to search for a home of my own to prevent becoming a homeless statistic, I was notified that my student loans have been written off due to my veterans XXXX status upgraded. I just recently found out that TRANSUNION and XXXX, as result, dropped my credit score XXXX points. And completely violating my rights as a XXXX veteran with this devastating action and has guaranteed me becoming homeless soon. Many attempts to contact those credit reporting agencies have failed. And has started affecting my health as this matter continues to get worse.I am XXXX person, a fixed income XXXX veteran, that is being discriminated against and left with no other choice than filing a formal complaint and seeking legal help from the local federal court system. Being a solo voice being tried this way after XXXX  XXXXXXXX XXXX in the XXXX, sacrificing everything including my health to have XXXX XXXX XXXX organizations to treat me this way is absolutely appalling and degrading. To include discriminatory.
Consumer complaint received 2023-10-26
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX is in violation of multiple laws set forth by XXXX in regards to the following account ending # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Resurgent XXXX Services ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. Resurgent Capitol Services can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from Resurgent Capitol Services for the cancelled debt of { { {$1000.00} } } in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXX XXXX clearly writing off debt with the IRS without XXXX out XXXX as required by the IRS for debts greater XXXX { { {$600.00} } }. This is unsatisfactory! Resurgent Capitol Services has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In Resurgent Capitol Services terms and conditions they agreed not to share my information with non affiliates. XXXX XXXX, and XXXX is not an affiliate of Resurgent Capitol Services nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Please delete this from all credit bureaus.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (GA)

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : NET CREDIT - XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. 


-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such. 



Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

NET CREDIT has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Consumer complaint received 2023-09-22
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. (GA)

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 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm writing you today to dispute negativity on my credit report. This account listed below do not belong to me and need to be deleted or blocked. 

XXXX XXXX. 

In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the item but need you to assist in the process. I'm including this report in my letter to help substantiate my claim. 

I request that you conduct an investigation into the this account and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-30
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Date : XX/XX/2023 the amount of the loan {$23000.00}. The loan was paid off by my insurance company. Pay Status ; Account Paid in full. This has caused other financial departments to deny me another loan. XXXX XXXX XXXX put Status as a Charge off on my credit Report. The status on my Credit report should only show current or paid off status.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/, at XXXXXXXX XXXX  I receive a call from Wells Fargo Bank from a woman saying that someone used debit card in a store in XXXX, Texas. XXXX, XXXX gas station and XXXX. She asked me if I knew anybody in Texas and I said no. After we hung up my wife suggested going to Wells Fargo Bank to stop any kind of activity or transaction regarding our savings and checking account. 
The same day at XXXXXXXX XXXX I was at the Wells Fargo Bank XXXX XXXX XXXX. XXXX, CA XXXX and spoke to the branch manager and explain about what happened in the morning. She checked my savings and checking account and said as of now no transaction or activity was going on for both my savings and checking account. She gave me a Wells Fargo phone number to call and follow up to freeze both of my accounts. 
I requested to change both my account numbers ; she told me that she will set me appointment the next day XX/XX/XXXX to the person who handle the new account. 
My wife and I were waiting for our meeting to open a new account number at XXXX The manager told me that someone made a wire transfer for the amount of {$8400.00} from my Debit card I called Well Fargo Fraud Protection to explain and find out why the transaction went through since I called yesterday morning to cancel all activity. 
If the manager of the bank change my account and follow up my request to stop all transaction that day of XX/XX/XXXX I still have my retirement savings.
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (NY)

I have contacted Equifax numerous times in reference to the XXXX XXXX XXXX account the is reporting on my credit report that was not and is not authorized by me, i didnt sign anything and i did authorize anythings, This is a FRAUDULENT ACCOUNT, I am a vicitim of identity theft
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (TX)

I had checking and savings account with ally bank. Please refer my previous CFPB complaints about ally bank. Ally bank retaliated against me and closed my account. I asked to send me all my statements for all my accounts by electronic mail - but ally did nothing. Ally won't be keeping my online access intact. I need these statements for the last 7 years.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (AL)

Been denied bank account they use early warning as a banking validation service I never heard off call early warning. I sent in a letter requesting a consumer report a few months back and I never received it. I just want to know what if is on my report to dispute the information
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-11-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (IL)

Hello I am reaching out in regards of a collection that was charged to me of {$160.00} from XXXX XXXX. The credit COLLECTION SERVICES CCS has the collection paid off, however during they are still to remove this collection out of my credit report.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IL)

I had a Wells Fargo Checking and savings account and a personal loan with them that paid from my checking account. In 2015 I filed for bankruptcy that included the loan which was granted. Wells Fargo was notified and continued to take payments even though I was granted the bankruptcy. I had to close all my accounts with them. I contacted their customer service multiple times and essentially told me too bad for you the money is ours.