davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.
Consumer complaint received 2023-05-08
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. (VA)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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. (FL)

There is seems to be an error on these accounts that are being reported on my credit report. I did manage to reach out to the creditors but they don't have any update yet. Please remove these accounts.
Consumer complaint received 2020-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX of 2019 my identity was stolen. Someone went to a shady website online called XXXX XXXX XXXX, and submitted multiple attempts to obtain an auto loan in my name. I found this out initially when I started receiving emails from multiple local companies about attempted auto loans in my name. Most of them didn't affect my credit but one local company put a hard inquiry on my report. I went to the store in person, obtained proof of the attempt to obtain a loan in my name. This documentation they of course have on file. The company has yet to contact the credit bureaus to remove the inquiry and both XXXX  and TransUnion will not remove the inquiry from my account despite attempts to dispute. They haven't asked for any documentation or inquired for further information. This ONE inquiry has substantially hindered my ability to improve my credit score. Please help! I am part of the XXXX data breach settlement which caused all of this in the first place. My credit accounts have had to be freezed indefinitely until my identity can be restored. Thank you for any help you can offer.
Consumer complaint received 2022-11-12
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. (NJ)

I HAVE SENT XXXX LETTERS TO EXPERIAN TO REMOVE THIS ERROR FROM MY CREDIT REPORT EVERY MONTH THEY HAVE STILL SAID THAT THE ITEM IS CORRECT. 

I EVENTLY WENT TO DISCOVER AND THEY SENT ME THE LETTER SAYING THAT THE ACCOUNT WAS CLOSED XXXX  YEARS AGO. BUT EXPERIAN IS STILL REPORTING IT AS OPEN I WANT THIS REMOVED! I HAVE ATTACHED LETTERS Please correct this account. As I have asked that this be removed due to the fact of the errors on the reporting. This account was closed back in 2020 so how do I have a late payment on this account? Also I did not give permission for anyone to report this on my personal credit file. So someone is creating a fraud within the Experian reporting. 
I am requesting that this be removed within XXXX hours from receiving this information. This proves that you did not do an investigation like you said, because if you did then it would have been caught and removed when I asked you to do it. Why did I the consumer have to request the information and then send it to you? 
This is because someone lied and reported this. 
There fore I demand that this item be removed within XXXX hours of this letter
Consumer complaint received 2024-03-16
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. (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my TransUnion credit report by XXXX  XXXX XXXX XXXX  Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX  or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXXXXXX XXXX XXXX XXXX  is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (DC)

I was just notified of a debt collection that is not mine. The debt collection agency name is TRANSWORLD SYSTEMS INC and the amount owed is {$37000.00}. According to my XXXX credit report, the collection account was opened on XX/XX/XXXX. The original creditor is listed as XXXX XXXX. This looks to be an apartment complex in XXXX XXXX, Georgia ( XXXX XXXX XXXXXXXX ). I have never lived in Georgia. I live in Washington , DC and can provide my apartment lease and utility bills upon request. I have lived in the same apartment in DC since XX/XX/XXXX. This is now the FOURTH APARTMENT that has been rented in GA using my identity since XXXX. I am truly astonished that my identity is continuously being stolen by someone in Georgia despite the security freeze and fraud alert on my credit. I previously submitted a CFPB complaint in XX/XX/XXXX for two other fraudulent accounts/ collections ( complaint no. XXXX ). The XXXX XXXX XXXX XXXX collection ( XXXX XXXX in GA ) was confirmed as fraud in XX/XX/XXXX ; I received an official fraud confirmation letter. The XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, apartment in GA ) is still under review. I called XXXX today for an update as I completed and mailed XXXXXXXX XXXX Fraud Affidavit in XXXX and provided all requested supporting documentation ( current lease, 1.5 years of utility bills, copy of Driver 's License, etc ). XXXX received the packet in XXXX. It has been XXXX months and I have yet to hear back. I was provided an email address today and sent an email requesting a status update. My identity was first stolen in XXXX and used to rent an apartment in Georgia ( XXXX XXXX XXXX XXXX ). The debt was confirmed as fraud and cleared from my credit in XX/XX/XXXX ; I received an official fraud confirmation letter. Please let me know if any other information is needed. It is completely unacceptable that my identity is continuously being stolen and used to rent apartments/ open accounts in GA!!
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In proper use of credit report.1.15 usc 1681 section 6028 states I have the right to privacy. 2. 15 usc 1681 section 604 section I also state a consumer reporting agency can not furnish your account without my written information. 3. In accordance with the fair credit report act XXXX  account number has violate my rights.
Consumer complaint received 2020-01-15
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. (CA)

I applied for a loan today XX/XX/2020 and I did not qualify because apparently there are accounts reflecting badly on my credit report. None of those accounts belong to me and I never allowed anyone to open them in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not gain anything from these accounts that were opened in my name without my permission nor did I ever make any payments towards these unauthorized accounts. I do not have any written/verbal contracts with any of these companies.
Consumer complaint received 2022-02-23
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)

My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

In XX/XX/XXXX XXXX  claimed a debt was owed to them - in XX/XX/XXXX this account was filed as identity theft and removed from my record. Convergent Outsourcing, a debt collector, is reporting this account on my credit report. I have informed them this account does not belong to me. I have informed them this account was the result of identity theft. They refuse to remove the account from my credit reports. They are still attempting to collect on this fraudulent account. 
I requested validation of their claim on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They replied with statements of an account which is not mine. They failed to show any proof that the debt belongs to me. I requested any documentation showing my signature on the account - they provided a falsified contract with no signature from me, only a blank area where a signature should be. 
I informed them they are not only illegally attempting to collect on a fraudulent account but also reporting illegally to the bureaus under their own name as opposed to the name of the original creditor in violation of Mass General Laws : o940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization I have informed Convergent of these issues three times via certified mail. They have failed to comply with federal or state debt collection regulations.
Consumer complaint received 2020-01-07
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. (MD)

My information had been exposed during XXXX XXXX data breach and I began looking into my credit report in XX/XX/2019. I've sent 4 rounds of letters to all three credit bureaus to remove fraudulent unverified accounts on my credit report and Experian has refused to remove unverified fraudulent accounts on my credit profile that I listed in 4 rounds of letters. I sent all my letters certified and notarized and have proof that they received my letters IN ADDITION to a police report for identity theft AND documentation showing XXXX removing the unverified accounts. I sent Experian 609 letters to enact my rights under the FCRA and they have refused to remove unverified  fraudulent accounts. As recently as XX/XX/2019 Experian unlawfully reported a collection account on my credit report from 'XXXX XXXX XXXX ' whom I have NEVER conducted business with nor entered into any agreement. Additionally, their reporting of this collection account resulted in a significant loss of points from my credit score. 

Moreover, one account from XXXX XXXX has placed 2 hard inquiries on my credit report without cause. I'd opened and authorized what I understood to be ONE inquiry in my credit report to open my account which was opened successfully. However, on XXXX XXXX another hard inquiry was placed for no reason at all. Experian needs to remove that additional inquiry from my report as it reflects negatively on my profile.
Consumer complaint received 2020-03-09
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I took steps in sending dispute letters to companies and credit agencies the accounts came back verified how is this possible there not my accounts. 
I then mailed a validation letter out to collection agency and credit agency but no response back or deletions.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX Alerts. 2FA VERIFICATION CODES ARE REROUTED TO CRIMINALS PHONE NUMBERS. Android Cell Phones NEW MALWARE DISCOVERED. I HAVE ALERTED USAA TO NO AVAIL. Also my XXXX XXXX XXXX XXXX PHONE has XXXX malware news reports.XXXX  REPORTS SERIOUS DATA BREACH 2Xs in 4 months USING 2 FA VERIFICATION CODES.??? USAA CONTINUES TO USE. USAA RECENTLY WAS BREACHED AGAIN. I have FCC complaints filed against XXXX XXXX XXXX. USAA continues to use 2 FA codes No Avail to my complaints??? Sounds like security issue.???
Consumer complaint received 2020-01-15
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. (CA)

I applied for a loan today XX/XX/2020 and I did not qualify because apparently there are accounts reflecting badly on my credit report. None of those accounts belong to me and I never allowed anyone to open them in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not gain anything from these accounts that were opened in my name without my permission nor did I ever make any payments towards these unauthorized accounts. I do not have any written/verbal contracts with any of these companies.
Consumer complaint received 2022-02-23
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. (CA)

I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. EXPERIAN was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tesla, Inc. (CA)

XXXX  ended XX/XX/XXXX, all final payments were handled. On XX/XX/XXXX I was contacted by Tesla saying I owed ADDITIONAL funds for excessive wear and tear. This is not my debt, additionally the statute of limitations for California ( 4 years ) has been exceeded.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

XXXX and Equifax have both removed XXXX XXXX accounts from my report of a balance of XXXX they both have removed the balance and remarks from company and its documented to place the accounts back on my reports with more remarks after being closed and removed to be reopened and placed back on my report with late payments which is directly in violation of consumer protection laws!
Consumer complaint received 2022-11-13
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. (GA)

On or before XXXX I disputed accounts and nothing changed. 
Im disputes came back late passed the 30 day mark and verified. I then requested to know how they verified and with who. I never got anything from the credit bureaus. Account s disputed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are inaccurate.
Consumer complaint received 2020-01-15
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: REGIONS FINANCIAL CORPORATION (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-12
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. (TN)

XX/XX/XXXX credit inquiry by places unrecognizable by XXXX XXXX XXXX I applied for auto loan approved next day they hit my credit alot that day wanted a XXXX $ down payment due to a collection on report from XXXX XXXX that is over 7 yrs old and they won't take off Equifax or XXXX I got it off XXXX and after I was approved for a loan in XXXX XXXX XXXX they sold the truck I wanted now credit is to bad to get financed anywhere XXXX XXXX is still saying I am not making payments on XX/XX/ and the account is closed