davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XXXX is fraudulently reporting over ten 120 day late payments on my credit ( years after account closure and FULL PAYMENT MADE ). I have called XXXX over 20 times, sent them letters and they always ignore my requests and damage my credit and financial life. Please see my attached screenshots of credit reports. XXXX has caused irreparable harm to my well being, state of mind and life in general. 

Im seeking help!!
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (HI)

XXXX XXXX had previously sent a debt amount they said I owed. However, I never owned a XXXX XXXX account. I have submitted to their 2 collection agencies who keep harassing me on trying to get me to pay an amount they believe I owe. 

I have attempted many times to get XXXX and their collection agencies to redirect the collection effort on who really owns the phone account. But, they are insistent I am the account owner - I told XXXX and both of their collection vendors this is not my debt, phone number, and or account. 

I have attached documents and a letter I would like to send to you for assistance in clearing this matter up. If you review all of my credit accounts I am in good standing in all of my credit cards, and loans and they have done nothing except to keep ruining my credit reputation which needs to stop.
Consumer complaint received 2022-01-30
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. (GA)

Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, XXXX, XXXX and Experian XXXXnformation Solutions , Inc. et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). 

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XXXX XXXX XXXX  ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (GA)

I viewed my credit report, and to my dismay. The original accounts were transferred, charged off/ sold, and I am no longer responsible for the account. Debtors ' creditors did not verify this collection. Also, there was no written form of communication, contract, or signature for this debt. A bill without a signature does not validate. According to the FCRA, XXXX XXXX  has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MI)

The mortgage Officer attempted to secure me a cash-out refinance. I have very unique circumstances which I explained to the loan officer. The mortgage on the property was in my deceased mother 's name. The property was titled to myself. I had been making all payments since the property was purchased in XXXX. The loan did not materialize because of late payments made in XXXX. The loan officer was negligent because the payment history was disclosed to him pretty early in the process. He requested I pay for an appraisal at a cost of {$500.00}. He knew that the loan was not possible due to the late payments. I was not sure how this affected the transaction. The mortgage was not in my name, he is the trusted professional, not me. I counted on his expertise in this matter. I have had 3 different appraisals since XXXX of XXXX ( Mortgage 1, Caliber Loans, and XXXX XXXXXXXX XXXX XXXX ). Caliber Loans is the only financial institution to charge me an appraisal fee. I strongly believe Caliber Loans should return my appraisal fee because they ordered it knowing the loan would not proceed due to late payments.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXXXXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kimball, Tirey & St. John LLP (CA)

ORIGINAL CREDITOR : XXXX XXXX XXXX BALANCE : {$13000.00} According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. This is a time-barred debt. Please remove this account from all three credit bureaus. 

Pursuant to the attached documents, page 4, the highlighted section, the date of commencement to collect this debt was XX/XX/2015. Once again, according to Cal. Civ. Proc. Code 312 et. seq. this account has passed the fouXXXX years Statutes of Limitations to collect such debt.
Consumer complaint received 2022-10-31
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX L XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$58.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$740.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX  XXXX XXXX XXXX : {$420.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$6400.00} ; XXXX  XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX XXXX : {$2200.00} ; XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

HI MIDLAND ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

On XXXX I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-04-02
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. (DE)

From XX/XX/XXXX to XX/XX/XXXX I have paid off over {$9000.00}. in cred t and Loans. My XXXX  ( is XXXX and my XXXX  is XXXX but my Experian just dropped 24 points to XXXX. 
It actually seems that every time I complain, they drop my score! I have worked very hard over the last year to clear my debts but with the bad Experian repot I cant get a car loan. 
Their score is SO different from the other 2 it can't be correct. Please help.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (CA)

Comment Demanding {$2000.00} to settle a balance of {$11000.00} XXXX XXXX XXXX # XXXX Absolute Fraud! 

I have not had a XXXX XXXX Account since XXXX or XXXX My Credit score is VERY GOOD and There is nothing on my 3 Credit Scores that is Negative. 

Nor has there been anything for at least 17 years. 

XXXX  the Company and they seem to be a Predatory Fraudulent Company
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Equifax has my date of birth wrong. I have sent in copies of my Driver 's license, SS card, passport, utility bill, via certified mail 3 times and once via regular mail I have been asked a 5th time to send in my DL. I can not do anything online as my DoB is wrong- I do not match. i have also requested where did they get this wrong information and why not corrected? no answer no correction, just a 5th request for DL. 
XX/XX/XXXX letter on error and copy of all documents requested. 
XX/XX/XXXX certified mail to equifax on errors and all requested documents XX/XX/XXXX certified mail to equifax on errors and all requested documents. 
XX/XX/XXXX certified mail to equifax on errors and a 4th copy of my DL and SS card XX/XX/XXXX A letter from equifax stating that results of their investigation to send in a copy of my DL to correct my DoB. I have proof that all 3 certified letters were received. 
I have no response as to where this misinformation or how determined as I requested. 
XXXX  & XXXX have all information correct. Only Equifax will not delete/ correct wrong information as required by law.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (VA)

I am writing to demand the immediate cessation of a range of unlawful activities involving my account with Self Inc. As a concerned customer, I have discovered a multitude of unauthorized actions that have taken place without my consent, which has left me deeply troubled. I insist on the following corrective measures : XXXX XXXX XXXX, Fraud, False Reporting, Extortion, and Unauthorized Use of My Social Security Number : Self Inc. has engaged in a pattern of racketeering, fraudulent activity, false reporting, and extortion. Moreover, my Social Security Number ( SSN ) was used without my consent, a grave violation of my privacy and security. I demand that Self Inc. cease and desist from any further unlawful activities immediately.

Return of Stolen Funds and Removal of Unauthorized Securities : I assert that Self Inc. is responsible for the misappropriation of my personal and financial information, which has resulted in the loss of funds. Additionally, securities were taken out without my consent. I demand the prompt return of any stolen funds and the removal of unauthorized securities from my account.

Account Closure and Removal of Derogatory Marks : In light of the criminal activities conducted by Self Inc., I hereby request the immediate closure of my account with your organization. Furthermore, I demand the removal of any derogatory marks associated with my account due to these unlawful actions. 
Violation of Applicable Laws : It is essential to acknowledge that the actions of Self Inc. have violated several relevant laws, including : aXXXX XXXX XXXXXXXX Influenced and Corrupt Organizations ( RICO ) Act, 18 U.S.C. 1961-1968 b. The Federal Fraud Statutes, including 18 U.S.C. 1343 ( Wire Fraud ) and 18 U.S.C. 1341 ( Mail Fraud ) c. Laws governing False Reporting, such as 18 U.S.C. 1001 d. Laws governing Extortion, including state and federal extortion statutes e. Unauthorized use of personal information, a violation of privacy laws I insist on your full cooperation in addressing these issues and complying with my demands. Failure to do so will result in my pursuit of legal action to protect my rights and interests and to ensure that Self Inc. is held accountable for its unlawful actions. 

Please contact me at XXXX or via email at XXXX to discuss the specifics of returning stolen funds, the removal of unauthorized securities, the closure of my account, and the removal of derogatory marks. 

I expect a prompt response from Self Inc. regarding these demands, outlining the actions you will take to rectify this fraudulent and illegal situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-05
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. (NY)

Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received an offer in the mail from Citizen 's Bank to get {$600.00} if you open a checking and savings account and met their terms. I opened my account XXXX XXXX via their website and met the terms. The offer says once you've met the terms you will get the money in 3 months. On XXXX XXXX I called Citizen 's because my money was still not in my account and XXXX told me my original bank put a hold on the transfer. I called my XXXXXXXX XXXX that day and they said Citizen 's has the money and took it out of my XXXX account. I called Citizens on that day and after being bounced around I eventually spoke to the fraud department who said that Citizen 's blocked my transfer and I have to tell my XXXXXXXX XXXX to reverse the transfer because it was flagged as fraud. Reassured me I would still get the bonus and gave me the fulfillment phone number in case I didn't get the bonus. I called Citizen 's Bank on XX/XX/XXXX because it's been over 3 months and I have received anything and I spoke with XXXX the manager and he said I would receive my money on XX/XX/XXXX. It's now XX/XX/XXXX and I haven't received it yet.
Consumer complaint received 2021-04-04
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. (IL)

On XX/XX/21, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. With COIVD going on I understand that it may take a little longer to process my request but over 60 days??. According to Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report, it has been over 60 days therefore they should be promptly deleted. I demand these accounts be deleted immediately or I will file for litigation due to failure to comply with the laws set in place and the time and financial restrictions these items have placed on my family and I. I am not sure but under the impression that the inaccuracies are a result of my information being involved within the equifax data breach and may have been taken by someone else.