davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-31
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. (CA)

I have sent MULTIPLE disputes trying to resolve the inaccurate information being reported! They are PURPOSELY reporting wrong names, addresses, incorrect information that is RUINING my credit report. Below are the dates i've tried to resolve this issue : XX/XX/22 XX/XX/22 XX/XX/22 XXXX
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2018-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc (CA)

That has been recirculated now XXXX times and is the result of retribution for a bad XXXX review when they charged my account {$40.00} for a missed appointment for my XXXX daughter. I had never signed any paperwork saying that I would pay such a feat and I tore them up on yelp now they will not let it go in this company continues to persecute me for any legal debt debt I do not know that they have no proof of and yet they continue to extort people for fake debts. When are we going to stop it?
Consumer complaint received 2022-05-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX Balance : {$62.00}
Consumer complaint received 2022-05-31
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: WELLS FARGO & COMPANY (FL)

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2022-05-31
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. (MA)

I have contacted each creditor and consumer reporting agency in regards to the accounts listed below. and quoted the same FCRA subsection. 

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 Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX 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 2022-05-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  XXXX Balance : {$62.00}
Consumer complaint received 2022-05-31
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. (NC)

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-31
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. (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 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 XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX US SM Bus AdmIn ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, Experian inquired on XXXX XXXX Experian XXXX identity, Experian XXXX XXXX XXXX on various days, XXXX XXXX XXXXXXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX inquired on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX & XX/XX/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 an 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 2022-05-31
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)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, then date last active is inaccurate, and date last report is not accurate, This ground for removal they also violated my rights under 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 that a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (HI)

XXXX XXXXXXXX XXXX  and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

I am A XXXX Veteran being treated for XXXX XXXX by the VA hospital in XXXX. I do some time remembering thing, but it does come back. I had two Discover credit cards XXXX and XXXX, which I stop using in XX/XX/XXXX due to them not Honoring the payment protection plan that they made me carry that was ruled illegal by a federal court in XX/XX/XXXX and again in XX/XX/XXXX. Discover sent in negative credit reports to the credit reporting people wall rising my credit limit to {$30000.00} each card. And then charging me for transferring money to some account in cyber space. They claim it was hackers or computer problems. But this was what the courts in XX/XX/XXXX and XX/XX/XXXX ordered them to stop doing! It was proven that employees were doing this! It seems that they believe that due to the Federal court being in New York the federal orders do not apply to people in Michigan!!! I have been hassled by them for over 6 years, them charging my cards that I stop using for money transferred to cyber accounts in XXXX XXXX. Saying that they would take me to court and put me into jail, or take my home if I did not pay. In addition it seems that Discover has giving my SS number to people who have NO legal right to have it!
Consumer complaint received 2022-05-31
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. (TX)

I have made many many requests to Experian and XXXX XXXX XXXX XXXX XXXX XXXX ) to supply the VALID and COMPLETED permissible permission used to access my credit report in XX/XX/2017. I can not tell these two professional companies that once I receive this document I can prove the loan was fraudulent. I can't say this because Experian takes off in another direction regarding fraud and XXXX sends me a letter requesting more of my personal information to investigate fraud when they never had the right to receive my personal information what they currently have. This is a simple request and I am not speaking another language. Perhaps I am speaking to a foreign country that can not understand a simple request but would rather push a button for a programmed response..
Consumer complaint received 2022-05-13
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. (CA)

I went to a dealership to purchase a vehicle, and the dealership informed me they will run my credit. I only approved one inquiry, but they ran multiple inquiries on my credit report without my authorization.
Consumer complaint received 2019-06-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Les Zieve (CA)

Dear CFPB, On XX/XX/2019 I served XXXX XXXX, CEO of Zieve,  Brodnax , & Steele, LLP a Demand for Cancellation and Rescission of Notice of Default and Notice of Trustee Sale demand letter on TS # XXXX recorded on my property XXXX XXXX XXXX XXXX XXXX CA XXXX at the XXXX XXXX County Recorders Office . As of today, CEO, XXXX XXXX and his Zieve , Brodnax , & Steele LLP company has not responded to my demand letter ( copy attached ). 

Moreover, Attached you will find my Proof of Claim, Conditional Acceptance for Value served to XXXX XXXX XXXX XXXX, A Debt Collector, on XX/XX/2019 certified sent certified mail # XXXX. In addition, Under my private rights of action and administrative process I want to report that XXXX XXXX XXXX XXXX has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letter dated XXXX XXXX sent Certified Mail # XXXX. I never contracted with XXXX at any capacity and have never had any business relationship verbal or written. 

The XXXX Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. My Second Notice of Fault in Dishonor and Opportunity to Cure demand letter was served to XXXX on XX/XX/2019 Certified Mail # XXXX My Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served to XXXX on XX/XX/2019 sent Certified Mail # XXXX. Finally, my Notarized Affidavit of Non Response was also served to XXXX sent Certified Mail # XXXX. 

As of today, XXXX has not responded to my Proof of Claim and Conditional Acceptance, Qualified Written Request and Validation of Debt, Fault in Dishonor and Opportunity, Notice of Default in Dishonor Discharge of Obligation to Pay demand letters. Attached please find the above mentioned demand letters and notices for your confirmation and records. 

XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC are hereby LAWFULLY NOTICED : you may be in violation of California Civil Code section 2920 - 2945.5 and you may find you are without authority. False Claims Act, and others ; and you may have committed and/or are a party to, numerous felonious acts committed against the State. 

Therefore, XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC, are hereby demanded to file in the XXXX XXXX County Recorder 's Office a CANCELLATION OF NOTICE OF TRUSTEE 'S SALE ( Rescission ) for the fraudulent Trustee 's Sale # XXXX on the referenced Deed of Trust within 10 calendar days. XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC are also demanded to deliver to me a fully executed copy of the same document at the referenced property address. 

Respectfully, XXXX XXXX
Consumer complaint received 2019-10-18
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. (GA)

In XX/XX/2019, I XXXX XXXX XXXX, disputed an account reported by XXXX XXXX. I was informed in XX/XX/2019, that the item was deleted from all of my credit reports. I have recently discovered XX/XX/2019, that a collection item has been re-inserted by an entity known as XXXX XXXX XXXX who has illegally reported a collection on all three credit bureaus. I have NO such business dealings with this company and ask they provide signatures stating that we have an agreement. I request that the collection item be removed permanently from Equifax, XXXX and XXXX XXXX credit agencies immediately as my credit has suffered from this form of identity theft. 
Again, I have had NO such business agreements with XXXX XXXX XXXX and demand swift deletion off all of my credit reports. The next step will be legal action against this entity and the bureaus that continue to report this fraudulent activity.
Consumer complaint received 2022-05-31
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. (AZ)

I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any items listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 

Here is the list of the items which do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022XXXX XXXXI XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion, I hope this letter finds you well. I am writing to bring to your attention an error on my credit report and kindly request your assistance in rectifying the matter. 

Upon reviewing my credit report, I noticed that there is an account listed with inaccurate information. The account in question is an installment loan with XXXX XXXX, Account Number : XXXX. According to the information provided, the bank claims that I paid {$2100.00} in interest during the year XXXX. However, I would like to emphasize that I have no recollection of incurring such an expense nor having any association with this loan. 

Given the discrepancies mentioned above, I kindly request that you investigate the matter and take the necessary steps to remove this erroneous account from my credit report. I have enclosed copies of my credit report highlighting the incorrect information for your reference. Additionally, I have included any supporting documentation that may assist you in verifying the accuracy of my claim. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, such as XXXX, investigate any disputed items on a consumer 's credit report within 30 days of receipt of a dispute letter. Therefore, I kindly ask you to initiate an investigation into this matter promptly. 

It is essential for my financial well-being and creditworthiness that inaccurate information is promptly rectified. I trust in XXXX 's commitment to ensuring the accuracy of credit reports and upholding the rights of consumers. I appreciate your attention to this matter and your assistance in resolving this issue as soon as possible. 

Please inform me in writing of the outcome of your investigation and any actions taken to address this matter. Additionally, I kindly request that you provide me with an updated credit report reflecting the removal of the disputed account. 

Thank you for your prompt attention to this request. I am confident that XXXX will handle this matter with the utmost professionalism and diligence. If you require any further information or documentation from me, please do not hesitate to contact me at the provided contact details. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Aqua Finance, Inc. (SC)

I am writing to file a formal complaint regarding a disputed charge on my credit report. In XX/XX/XXXX, I was charged an exorbitant amount of {$3600.00} for a vacuum cleaner, which I promptly disputed. Despite my efforts to rectify the situation, the dispute was closed by Bay Finance, and the charge remained on my credit report as a charge-off. Bay finance reported I made a payment in XXXX, that is incorrect. 

Since then, I have observed a concerning pattern : every XXXX months, the charge is temporarily removed from my credit report, only to be reapplied as a charge-off with an increased amount. This recurring cycle has severely impacted my XXXX XXXX and financial stability. 

As a XXXX XXXX, I am deeply troubled by the unethical practices of Bay Finance. Despite numerous attempts to reach out and resolve this issue, I have been met with disrespect and evasion, including being hung up on during phone calls. 

Furthermore, the current claimed balance of {$4200.00} is unjustified and only exacerbates the financial strain caused by this situation. I implore you to intervene and ensure that Bay Finance ceases these predatory practices and removes all erroneous charges from my XXXX XXXX immediately. 

Thank you for your attention to this matter.