davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (SC)

I have submitted two dispute letters and a complaint stating that this account is unknown and it is fraud. The response both time from XXXX, says that the account is verified with no proof sent to me in the mail. I never applied for a XXXX XXXX account. I never filled out and signed a application to set up an account. I never provided a copy of my identification card to verify myself. I never made any payments on this account. This account was set up illegally and without any visible verification. This account was reported fraud years ago and the account was sold from XXXX XXXX ( original creditor ) to credence resource mana account number XXXX. Original balance reported was {$310.00}. Now it is reporting {$210.00}. Credence only change the amount to make it look like the account is justified because of my last complaint. Somehow they have obtained an old address of mine in XXXX XXXX and is using it now to report to XXXX. Originally they were using the address the illegal account was created at. Credence doesn't have any payment history reporting to XXXX and can't provide it because it doesn't exist. payment history on credit report is saying data unavailable. I am requesting this account be removed off of my credit report.
Consumer complaint received 2024-03-30
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. (AR)

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, Transunion, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.
Consumer complaint received 2024-03-30
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. (FL)

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT. 

I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PR)

Under the Family Educational Rights and Privacy Act ( FERPA ), my educational records are protected and should not be disclosed. Consequently, any alleged debts revealed that are linked to these records contravene the Family Educational Rights and Privacy Act of 1974, as outlined in 34 CFR 99. Therefore, they must be promptly eliminated from my consumer reports. 

Furthermore, per the FCRA, as a federally protected consumer, I am now also opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. ( 6805 ).
Consumer complaint received 2024-03-30
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. (CA)

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/23, I received an email from XXXX XXXX XXXX ( XXXX ) stating they are a debt collector and are trying to collect on my debt for my Victoria 's Secret credit card issued by Comenity Bank. On XX/XX/23 my account was sold to XXXX. On XX/XX/23, I called Victoria 's Secret 's Comenity Bank and was redirected to the fraud department and was told there was six charges from XXXX. I was told that the person made purchases at the XXXX XXXX XXXX in XXXX XXXX, CA and in XXXX, CA. The person requested a credit increase, added an authorized user, changed my phone numbers and changed my address. Comenity Bank would not give me the name of the authorized user, new phone numbers or address. I never received any statements, phone calls, or emails from Victoria 's Secret 's Comenity Bank. They did not contact me prior to this account being sold to XXXX  even though my email address was not changed and that is how XXXX contacted me. Prior to these charges, I had a XXXX balance on the credit card.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I ran my credit report on XXXX XXXX XXXX for all 3 company 's and discovered Identity Theft occurred. I was not able to download my XXXX and XXXX report b/c of technique issues I was having. I found I have an unauthorized account that was recently charged off to collections named XXXX XXXX opened on XX/XX/2022 and charged off and sent to collections for the amount of {$3700.00}. ( see attachments ) I was only able to down load the EqualFax Report but it does not show the loan from XXXX XXXX. 

I need to do a credit freeze, and dispute the loan that is on my credit report. I also need my full credit report from all 3 companies b/c they are all showing different things. I am a victim of Identity theft and need to resolve this asap but I am unable to do anything b/c I can not speak to a real live person and I am locked for not having the correct information when requesting it from the other 2 major credit agencies. 

Equal Fax XXXX XXXX
Consumer complaint received 2023-12-27
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. (CA)

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 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 2023-12-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (MN)

MOHELA is responsible for my loans and I contacted them when the XXXX XXXX  was announced. I asked specifically if I would need to do anything to have my loans recalculated since I was on the REPAYE-Alternative plan. They told me no that I would automatically be enrolled in it, no action needed. 

Their website says no action needed on their banner about the XXXX XXXX. 

It took me talking to XXXX separate people last night to be told the Alternative meant that at some point I missed recertifying for the plan. Probably pre-COVID. They could verify when even though supposedly they were supposed to have all my documentation from XXXX. 

Nowhere on the site does it mention needing to recertify. They could have easily sent documentation about needing to recertify instead of charging me {$190.00} instead of the {$53.00} my bill would be under XXXX. They're charging me almost quadruple what I should be charged. 

They say that they'll fix it going forward if my application is approved, but that's not good enough. They need to fix the prior months. I shouldn't be penalized for MOHELA 's predatory practices.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-12-27
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. (PA)

XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-30
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: AFNI INC. (GA)

AFNI Inc has 3 accounts listed that do not belong to me. Only one has a balance owed. Enclosed is 3 attachments of the erroneous accounts. And a copy of my complaints I sent to AFNI.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (CO)

On XX/XX/2023, I checked my debit card account because I was trying to make a car payment and realized {$80.00} was missing out of my account. I immediately called ADP Wisely card and reported this. Today I received a email stating that they are not going to give me my money back and that's not fair. ADP Wisely  have robbed my account and I want my {$80.00} back.
Consumer complaint received 2024-03-25
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX has violated my rights. 

i've already disputed these items, but they did not remove, nor prove validation. 

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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (WI)

I have 2 accounts on my credit file from this company.I have never been in a contract with this company. I have never applied for credit with this company. It is reporting this account as opened and derogatory. This is not accurate.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

I experienced a case of credit theft following the vandalism of my friend 's car. The thieves managed to access my Chime account using my stolen card and subsequently changed the PIN. They proceeded to withdraw money from an ATM and even transferred funds from my account to themselves. Although I was able to block one of the transactions and recover my money, Chime has been uncooperative in refunding the remaining unauthorized transactions of {$2500.00}. Despite providing ample documentation and proof, they have consistently denied my claims, often responding with automated messages. 

Upon researching online, I discovered that many others have fallen victim to similar fraudulent activities by Chime. In fact, there is a group currently pursuing legal action against the company, which I intend to join if my refund is not promptly issued. It is evident that Chime is not adhering to the regulations outlined in Regulation E. Additionally, they have failed to conduct thorough investigations, as evidenced by their swift dismissal of my case within a mere three hours, without considering the clear evidence of fraud.
Consumer complaint received 2022-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

I received a call today from collection company Original Balance : {$19000.00} Current Principal : {$19000.00} Interest Due : {$110.00} Total Due : {$19000.00} COLUMBIA DEBT RECOVERY LLC DBA XXXX XXXX XXXX XXXX XXXX, WA XXXX I told the company this is fraud and they emailed me a fraud packet to fill out and email to them. I have been dealing with identity theft for a year now. I froze all accounts but still getting hit with collections from apartments that were opened in my name and information before I froze my accounts. 

ORIGINAL CREDITOR : XXXX XXXX I FKA XXXX XXXX I PLACED FOR COLLECTIONS ON : XXXX/XXXX/22
Consumer complaint received 2023-05-04
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 2022-12-29
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: Bread Financial Holdings, Inc. (AE)

Saw on a recent pull of my credit report that there was XXXX late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company COMENITYCAPITAL and notified them that I never applied for this card and it is fraud. I asked where was a physical card delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since 2021. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. They stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. 

I filed a dispute with all 3 reporting agencies. XXXX 's investigation was finished in less than a week, stating it was accurate. No way it is accurate as anything that was delivered was delivered to an address that I do not live at nor do I have any friends or family at that address. 

ID Theft Report from the FTC is attached.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This Credit Reporting Agency ( CRA ) keeps furnishing inaccurate and incorrect information despite multiple disputes. They keep telling me that information has been " verified '' however the loan servicer has CLOSED and no longer has anyone working for them who can " verify '' anything. My new loan servicer states they do not see any late payments and that I need to contact the original loan servicer ( XXXX ) but XXXX is CLOSED so I can not request any copies of letters or request debt validation. 

I have multiple accounts ( tradelines ) posting to my credit report for XXXX XXXX XXXX and EACH account is showing 90 days past due for XX/XX/2019 and 120 days past due for XX/XX/2019. Specifically : XXXX XXXX tradeline with balance of {$15000.00}. Comments " dispute resolved. '' This dispute was never resolved. Shows 90 days past due in XX/XX/2019 and 120 days past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$57000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$36000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' Please update these accounts to reflect the accurate information. You are unable to verify information because XXXX has closed. I am unable to request debt validation or request a payment ledger because XXXX has closed. I can not log into my former online account to retrieve letters to support this dispute because XXXX has closed.
Consumer complaint received 2021-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The information on this identity report for XXXX XXXX & the inquiry for XXXX XXXX  does not belong to me. This is a result of fraud & I am asking that this be deleted.