davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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)

Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my identity that are currently appearing on my credit report. The details of the disputed accounts are as follows : Account Name : XXXX XXXX XXXX Account Numbers : * Account number XXXX ... 
* Account number XXXX ... 
* Account number XXXX ... 
* Recent Balances : * {$560.00} as of XX/XX/2023 * {$450.00} as of XX/XX/2023 * {$1500.00} as of XX/XX/2023 * Date Opened : XX/XX/2023 * Status : Collection account. {$560.00}, {$450.00}, and {$1500.00} past due as of XX/XX/2023, respectively. 
I am contesting these collection accounts based on the grounds that my personal belongings, which included documents containing my identity, were unlawfully taken from my car. It is my understanding that under the provisions outlined in 15 U.S. Code 1681c2, any information resulting from identity theft must be promptly blocked by the consumer reporting agency. 
Therefore, I formally request that these negative accounts, for which I have no affiliation or contractual agreement, be expeditiously removed from all three major credit bureaus. I want to emphasize that I have not authorized the inclusion of any information on my credit report that is unrelated to my financial history or identity. 
I believe that these collection accounts are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of any information resulting from identity theft. I kindly request your immediate attention to this matter and the deletion of these accounts from my credit history. 
I expect a thorough investigation into this dispute and request that you provide me with written confirmation of the removal of these accounts from my credit report within the legally stipulated time frame. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost care and professionalism. Please do not hesitate to contact me if you require any additional information or documentation to support my claim.

In addition, I assert that the cease and desist process can be appropriately used to address credit report issues arising from identity theft. Section 611 of the Fair Credit Reporting Act ( FCRA ) explicitly grants consumers the right to challenge the completeness or accuracy of information within their credit files with consumer reporting agencies. Furthermore, Section 623 of the FCRA establishes potential liability for those who willfully fail to comply with its requirements, offering remedies that can include actual damages suffered as a result of such failures or statutory damages ranging from {$100.00} to {$1000.00}. This underscores the importance of a thorough and expedited resolution to my dispute.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

LVNV Funding Inc was sent a cease and desist letter in XX/XX/2023 and was notified of these accounts arising from identity theft. A report from the FTC was generated and submitted. LVNV still wrongfully attempted to collect this debt and is acting as a third party of which there is no original contract with. 
LVNV and XXXX XXXX XXXX XXXX .wrongfully debited {$1500.00} from a bank account that was not authorized this amount. There was also in fact a payment plan in place in which XXXX XXXX XXXXXXXX XXXX  wrongfully debited an amount that was NOT authorized. These are in fact unfair debt collecting acts and go against the FCRA laws. See attachments of identity theft form and cease and desist dispute letters.
Consumer complaint received 2023-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (VA)

I took a title loan from loanmart when i fell in hardtines. I m a retired service member and now a federal employee. Theybsaid they were kegally allowed to provide title loans in virginia. Virginia law states title loans can go over 36 % interest for residents of virginia. They have the loan at 66 % which is way over they never sent me my contractbwhen i signed and still wont send or provide it. I tried paying down the loan but the interest is too high and i feel like i will never get out of it. Rhey say they can have a high loan because their office is now in utah.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

There are multiple hard inquiries I see here in my account that I did not authorize or know about down below will list them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all the ones I did not approve there are connected and reported to all the major credit bureaus they all repeat and connect with equfax, XXXX and XXXX they all repeat for each hard inquiries I I would appreciate if these can be removed as I did not authorize or consent to these at all.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The hard inquiry XXXXXXXX XXXX XXXX XXXX ( Auto ) was not made by me XXXX XXXX this is a result of identity theft and I would like this removed of my consumer report immediately.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me XXXX and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX. 
Account Number : XXXX Inquiries : XXXX XXXX XX/XX/year> : DEPT OF ED XX/XX/year> :
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

all three credit bureaus is reporting incorrect information regarding XXXX XXXX XXXX XXXX for a total of {$600.00}. This account is paid in full and it needs to be correct XXXX XXXXXXXX XXXX XXXX for a total of {$600.00}.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-04-19
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)

I took out a small short-term online loan with XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. The loan amount was {$800.00}, and the repayment was {$260.00} per month for a period of 6 months. 

I fell behind on the payments of this loan after making the first payment. 

There are two issues that I have had with this account. The first being the inaccurate/false credit reporting information throughout this process, and the second being that I paid off the account through XXXX in XXXX of XXXX, and XXXX  XXXX continues to report this account with an open balance. 

The first issue is the inaccurate reporting. This account reports as an open account XXXX days late, This reporting is false, and it is done to maximize the damage to my credit score. The date of last payment per the credit report is XX/XX/XXXX, yet the reporting as of XX/XX/XXXX on my Equifax and XXXX report the account XXXX days late with a balance of {$2300.00}. 

The second and most important issue is that this account was paid off XX/XX/XXXX in the amount of {$810.00}. This account was paid through XXXX  on behalf of XXXX, XXXX, with the original creditor being XXXX XXXX XXXXXXXX XXXX XXXX. I have attached the confirmation of payment as well as emailed correspondence with XXXX. 

I expected the account to be updated to reflect the payment, but it has not been. I disputed this information with the credit bureaus, and XXXX  XXXX has refused to correct. I have made multiple attempts to resolve through XXXX and XXXX XXXXXXXX through email and phone calls, but I have been unable to get any type of resolution. XXXX  XXXX is reporting this account open and unpaid, yet I have provided all of the documented proof of payment. I have been requesting this correction for over a year. 

XXXX  XXXX is doing a great deal of my harm to my credit, This company is not working in good faith, I have satisfied this debt.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXXXXXX XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account XXXX XXXXXXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} ) I XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told " sorry '', we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. I've also mailed in certified letters to Equifax. I received nothing. Im also sure my information was leaked due to the information breach with Equifax. I was instructed to go to XXXX I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to Equifax security breach. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. I've faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX. He notice several instances where Equifax are in non-compliance with the FCRA. I'm a victim but yet I'm treated as if I'm nothing. The following accounts are : XXXX XXXX XXXX XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} )
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The XXXX XXXX XXXX XXXX ( FDIC ) Office of the Ombudsman XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 Dear Sir or Madam of FDICs Complaint/Dispute Department , I would like to draw your attention to the complaint I filed on XX/XX/2023- which I sent for your attention, in which I clearly stated how I was affected personally, psychologically, and financially by the scam in which Bank of America failed to protect my funds. 
However, it is over 50 days and I have yet to receive a response regarding my claim. 
I wish I can do anything to get this complaint done or get a resolution as soon as possible, seeing as the issue at hand is a matter of urgency for me. 
My complaint is against Bank of America which did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of Bank of America XXXX 
Bank of America and other Banks do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against the aforementioned fraud. 
Bank of America could have protected me from this ; unlike me, Bank of America knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of a lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact made me question what I was doing. The treatment from Bank of America compounded by trauma and anxiety and has left me in the awful situation I now find myself in. 
Your prompt attention to this matter would be greatly appreciated! 
Kind regards, XXXX XXXX
Consumer complaint received 2023-12-02
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2023-09-22
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. (GA)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, XXXX, & Equifax assumed this role without permission not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, & is unfair, & partial. XXXX never had a permissible purpose Under 1681 b number 2. I never instructed XXXX to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2023-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc. (FL)

I called to get a pay off an allege loan with Avant the lady on the phone to me on the phone that in order to get a lowered payment payoff I had to been in delinquency for 90 days!!! Ive had this loan for over years and the payment is so expensive because all of the expensive fee theyre charging me. I get emails about the debt. Which is causing major stress in my life. They also tried to charge my card! Without my permission! The charge was about holding the pay off amount! The lady never told me that I would be charged!!
Consumer complaint received 2023-09-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

This Account was paid, closed, removed, in XXXX. The last 8 months or so pro collect has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple time. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.
Consumer complaint received 2023-07-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-02
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: Experian Information Solutions Inc. (IL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXXXXXX Balance : {$31.00} ; XXXX  XXXX : {$16000.00} ; XXXX  XXXX Balance XXXX {$5600.00} ; XXXX  XXXX Balance : {$110000.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXX  XXXX Balance : {$110.00}.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (MS)

I emailed XXXX XXXX on XX/XX/2019 and stated in the email that the charge off they have on my account was a fraudulently obtained card that I never applied for. The charge off has now been sent to LVNV Funding, LLC whose now reporting negatively on my credit report which is hindering me from obtaining certain loans. The account is a XXXX XXXX credit card.