davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: EdFinancial Services (CA)

EDFINANCIAL Service LLC XXXX XXXX XXXX XXXX {$9000.00} that I never authorized It's been on here since XX/XX/2010 This is not my account please help and remove 15 USC CODE 1692F
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XXXX and Equifax are reporting that a mortgage I had was included in a Bankruptcy Case when I paid off the balance and satisfied all my mortgage obligations. I have provided proof that this was not the case and they still continue to report false information.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX please 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 2024-01-18
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. (MO)

The accounts been negatively reported are in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' The Affidavit of XXXX XXXX XXXX will explain the fradulent concealment of facts regarding money creation and allege loans or credit, hence a debt never existed. 
There is no basis for reporting allege debts associated with a fictional legal entity, not me the living flesh by the registered XXXX.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 ( FCRA ) it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and discovered unauthorized accounts that I believe to be the result of identity theft. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused as to why this one seems to ignore my requests. 
XXXX XXXX XXXX I understand the importance of maintaining accurate credit reports, and the presence of fraudulent accounts negatively impacts my financial standing. I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request that you comply with the law in conducting the investigation. 
I kindly request that you provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Meta Payments Inc. (TX)

XX/XX/year> XXXX  XXXX XXXX Disputed Charges XXXX XXXX XXXX XXXX, Texas XXXX Dear Sir or Madam, The reason I am disputing this charge is that it was an unauthorized transaction. I had saved my payment information in XXXX due to a prior purchase through XXXX involving a different merchant. Unbeknownst to me, XXXX had inadequate protections in place to prevent unauthorized transactions. I had never visited this merchant before and had no interest in their products ; however, an order was placed via XXXX while my phone was in my pocket. Unlike other services such as XXXX that requires you to double-click on a side button to confirm an order, XXXX has no protocols to prevent pocket orders. When I pulled my phone out of my pocket, I saw an unauthorized order had been placed. I immediately contacted the merchant via a link on XXXX and noted that I had never placed this order and did not want the item. The merchant indicated that they would cancel the order. However, they failed to do so, and the item shipped out. I contacted them via email numerous times trying to remedy this issue. Their responses seemed automated, almost as if they had been written by Artificial Intelligence. I repeatedly asked for a return label so I could return the product and be refunded. However, they would never send the return label, instead referring me to another link that did not function. I am attaching email correspondence showing that I reached out to this merchant on numerous occasions. I also filed a formal dispute with XXXX. Their customer service was abysmal, and I could not reach out to them following the methods specified via the app. [ I intend to forward this correspondence to the FTC so that the FTC can look into XXXX and XXXX  business practices. ] Sincerely, XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

on XXXX I pulled m y credit report from the three credit bureaus and discovered that XXXX XXXX reported my mortgage as 30+days late however I am participant of the XXXX XXXX XXXXXXXX XXXX program which advise mortgage providers to not report participants as late considering that payments are submitted in bulk and take processing time. To my dismay I discovered that XXXX XXXX continuously submitted inaccurate information to the credit bureaus even after have a notation on my account to not do so. XXXX XXXX submitted over 10 months of late payments to the bureaus. I was approved in XX/XX/XXXX to be a participant in the XXXX XXXX XXXX  program. I want the correct information sent to the bureaus so that my credit report reflect accurate reporting regarding my mortgage payments.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX  Account Number: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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCF Intermediate Holdings LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; I requested XXXX look into the above credit inquiries and they conducted an investigation and they completed it on XX/XX/2023 XXXX I also reported these inquiries throught IdentityTheft. gov. These inquiries are still showing up on my credit report when I never applied to do business with these companies.
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (FL)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-17
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)

I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report. 

As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consumer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX. 

Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. 

Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

i requested information from midland credit XXXX requesting validation of debt.they didnt send me ample proof that this account belongs to me. how can they park this debt onto my consumer profile without providing proof that i was notified and given a fair chance to dispute this debt? according to 12 cfr 1006.34 ( c ) ( 4 ) ( i ) I was supposed to be given a chance to dispute this, i asked them for proof that they sent this to me and they sent nothing. according to them a they purchased this account on XXXX XXXX with a balance of {$740.00}, they also stated that they mailed me a letter of validation on XXXX XXXX i know legally that they have 5 days to contact me regarding this debt and also giving the the chance to dispute this debt, So from XX/XX/XXXX to XX/XX/XXXX this is not exactly 5 days, I need to see proof that this letter was sent to me. they stated that they sent it to my residence that was included in this dispute, i have a place of abode not residence so that means nothing to me as far as validation goes. I received no copy of the original written agreement between me and this company, This in itself is a clear violation of 12 cfr 1006.34. again i was not given a validation notice, this is unfair, if they in fact believe that i was given this please send proof. this is parked on credit report unfairly, please remove this from my consumer profile or send the requested documents. 

1.proof of validation notice 2. a copy of written agreement between me and original company.

3. signatures and proof of identification.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Prosper Marketplace, Inc. (FL)

This is my 4th complaint on this company that shouldnt exist. I havent received a promised paper statement since XXXX of 2024. The USPS also informed me no bill has been scanned in since that date. This company lied and said an agent reached out to confirm my address that is a lie. The company said an agent told me to wait 7 business days mind you this is after a payment was due. I am paying above the payment that I always pay of {$130.00} per month. The company forced me away from online payments because of a derogatory policy they have to punish people who want to leave their predatory company. So it is disgusting and delusional to think someone can pay what is due when they have no bill for 5 plus months! They refuse to provide the calculation for monthly payments because their penalty apr will be disclosed. They tell me to refer to my statement. I havent received a statement since XXXX. I have no emails in my junk mail, normal mail, nothing. I want this debt settled and off my credit report as they are falsely reporting it late because they are an XXXX  company. Only responses I get are automated and a lawyer cant even get a response from them.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX I am writing to delete the following information in my file. These items I need deleted are listed in the report attached, I am a victim of identity theft and did not make these charges. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trades Commission 's, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. please delete these items as soon as possible.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions you can contact me at XXXX XXXX XXXX
Consumer complaint received 2023-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ZWICKER & ASSOCIATES (MA)

Zwicker & Associates refused to accept weekly payments online. They informed me that I will have to call each week to pay my {$20.00}. They have sent me a small claims court date of XX/XX/. I was hoping to pay this before court date. 

WHen I called they said I can't pay any other way except phone in which is very difficult. It is as though they want me to fail. I find this firm deceptive and they do have an online payment center. 

They are refusing this. I would like this firm to be repremanded. 

They are not working with the consumer.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft stemming from the XXXX XXXX XXXX in 2017. Given this ongoing threat, I diligently monitor my credit reports by downloading them from XXXX every week or two. Recently, I experienced further fraud and identity theft with my debit card, reinforcing the necessity of frequent checks. However, I have been unable to access my XXXX and XXXX reports through XXXX  for over XXXX weeks now. Despite being advised to request mailed copies from the credit bureaus, I have not received these reports either. This sudden lack of access is concerning, especially as I can still access my TransUnion report without issue. I have not submitted police reports to the agencies, nor have I received any explanation for this restriction, leaving me uncertain whether the problem lies with XXXX or XXXX and XXXX directly. 
Also, XXXX XXXX XXXX makes it incredibly difficult to reach a human or technical support to assist in these cases.
Consumer complaint received 2024-01-18
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX