davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (MD)

Hello Ive disputed this midland credit management account numerous times on my credit report. Ive even sent a letter to XXXX and XXXX  explaining my concerns and errors in reporting. Ive requested a full investigation and copy of information for debt validation which I have yet to be provided with. XXXX deleted the account assuming investigation was complete and they could not provide the details I requested. The amount this creditor originally had on my account was {$2200.00} and now around {$2200.00} is being reported I have no knowledge or verification of this account or amount being owed I have never made any sort of payment to this account it is also being reported as open which is not accurate or possible. I also received a letter in mail threatening legal action if payment arrangement was not set up. To my knowledge that goes against FCRA as well as the account is past the statue of limitations in my state so that would be a false threat as well. I also believe it is past the 30 days since I sent in request for investigation.
Consumer complaint received 2023-07-25
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. (OH)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received an email that a savings account was opened through Bank of America. The account was opened online with my maiden name and social security number. I find this to be a problem, as the person didnt have to actually provide any documentation or proof they are who they say they are. How is Bank of America allowed do this. Theyre making identity fraud easier for criminals and causing their current customers headaches. Opening an account should be in person with multiple forms of documentation!
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX  account XXXX {$4000.00}, XXXX XXXX XXXX {$590.00}, us department of edu {$4200.00}, us department of edu {$590.00}, us department of edu {$2400.00} has violated my rights. 

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
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX I Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : REF # XXXX Inquiries : XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, 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)

In accordance with the fair credit reporting act, XXXX XXXX XXXX Account has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXX XXXX is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-06
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. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Acra Intermediate Holdings, LLC (CA)

XX/XX/XXXX, I was placed on a deferred payment arrangement, for 24 months, totaling a monthly payment of {$3300.00} per month. My original monthly payment was {$2700.00}, before the deferred arrangement. 

I have continue to make my monthly payments on time, I have also made additional payments during this period of time. 

Citadel transferred my loan to their XXXX XXXX Citadel XXXX in XXXX, therefore the situation only got worse. I have made hundreds of calls trying to address they're mistakes. 

1. They were not reporting payments made to the credit agencies. 
2. they reported me late in XX/XX/XXXX. 
3. They did not honor the deferred payment arrangement and reported me as late to the credit bureaus.

4. My credit score has dropped 169 points.

5 My mortgage states still shows the full amount of the deferred amount as due.

6. They are also charging me for hazard insurance.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS CREDIT KARMA AND CREDIT XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-07-25
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. (IL)

I am writing to file a complaint against XXXX XXXX XXXX that has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. The company in question has failed to provide me with the right to opt out of reporting information on my consumer report, which is a direct violation of 15 USC 6802.

Furthermore, the company is using my information for their own benefit and has inaccurately reported information on my consumer report with Experian and XXXX XXXX. The last verified section is inaccurate, the date opened is inaccurate, and the date of last activity is also inaccurate. This is a clear violation of 1681n, which states that any person who willfully fails to comply with any requirement of the FCRA with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 
In addition, I have sent multiple correspondences to the company regarding their violation of 1681a ( d ) ( 2 ) ( A ) ( i ), stating that my consumer report excluded information solely as to transactions or experiences. However, the company has failed to respond to any of my inquiries, which has caused significant harm to my financial standing and creditworthiness. 
I am requesting that the Consumer Financial protection Bureau investigate this matter and take appropriate legal action against the company for their violations of my rights under the FCRA and the Privacy Act of 1974. I also request that the inaccurate information on my consumer report be corrected immediately.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (CA)

I recently received a notification from XXXX XXXX that my personal information was exposed during a data breach taking place earler this year. I also received a notification that a creditor on my credit report ( XXXX XXXX XXXX XXXX had a data breach where my personal information was exposed. I have an inquiry on my credit report that I did not authorize or solict their products. XXXX XX/XX/2023 and XXXX XX/XX/2023. These are unauthorized inquiries and I would like to see documentation from the creditor with my signature authorizing these inquiries. 
I have no current business, past business with XXXX and no current or past business on my credit file with XXXX.
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (NC)

on XXXX I contacted the companies and the 3 bureaus and informed them that under federal law your in violation of 15 U.S code 1681n Infamis of pulls 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation I haven't received any response
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The accounts below are in violation of my rights. The credit bureaus XXXX XXXX Experian have been reporting inaccurate and incomplete information on my credit profile. I also filed a complaint with the FTC should they continue their non compliance, they shall be liable. Wenger v Trans Union., No 95-6445 ( C.D. Cal. XX/XX/XXXX ) credit reporting laws are to ensure that bureaus are reporting 100 % accurate information so the following accounts need to be investigated, I respectfully request to be provided proof of the alleged accounts such as the original application, contract, note or other instruments bearing my signature. Failing to do so, the accounts must be deleted from my report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation and I hereby request accuracy and completeness of the procedure. Can you please provide that information in 15 days? XXXX XXXX and Experian is in violation of 15 U.S.C. 1692g. They were to notify me 5 days prior and I was not notified. As the original creditor, only I can validate this debt and I did not validate it. Therefore the accounts must be deleted from my credit report. 


Account info Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account info Account name XXXX XXXXXXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Paid, Closed. 
Status updated XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-04-04
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 made sure that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for the late payment remarks reported on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-09-05
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 sent letters to XXXX and Equifax and asked if they could send me copies of the documents used to verify the accuracy of the accounts on XX/XX/2023 and XXXX XXXX XXXX XXXX and Equifax sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX or Equifax doesn't have any files to verify this account, nor will they delete it. 



The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Posted on Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Posted on Equifax and XXXX
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (CA)

They violated the cease and desist order. I called to verify that the account had the order on it, and they are mailing me threatening debt collection communication anyway. 

Letter was dated XX/XX/XXXX. Received on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I have a loan With Fifth Third Bank I never made a late payment in my life not by them not by any of my credit cards or car loans. 

In 2022 I signed up for a COVID forbearance program that I was not supposed to make payments and I was told that it would not affect my credit score in any way when I started making payments again fifth Third Bank reported four late payments all of them 120 days late to the credit bureaus this is wrong I would never sign up for any program that will wound my credit I reached out to them several times but they didn't do anything about it and my credit is still ruined because of this. 

Please help me to figure this out with them they should fix it on my credit report and remove the four late payments XXXX XXXX XXXX XXXX of 2022 Thanks