davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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)

In accordance with the Fair Credit act XXXX XXXX account # XXXX has violated my rights. 

XXXX5 U.S.C 1681section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-02
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 — Investigation took more than 30 days
Company: Self Financial Inc. (IL)

I had an account with Self lender. My Identification was placed on the dark web in my bank and credit card accounts were hacked! I was even declared deceased to XXXX XXXX where they closed my accounts out in XX/XX/2021. I have been working to resolve these issues, however with SELF I have giving evidence explaining the fraud on this particular account and I have been ignored. In fact the company is still making reports on my credit for a account I did not open. I have sent five emails and no one has responded with the appropriate action. It has been over 45 days and I would need this fraud account taking off my credit report because I was not the person that authorized the pass transactions or opening of new accounts to this merchant. Please help.
Consumer complaint received 2024-02-17
Product: Credit reporting 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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. Thank you.
Consumer complaint received 2022-09-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MS)

CREDITOR ACCT SEE ATTACHED LETTER CREDENCE SEE ATTACHED LETTER SUPERVISOR XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX AND TO WHOM IT MAY CONCERN 1.  XXXX XXXX XXXX NEVER INSTALLED XXXX 2. NO XXXX XXXX XXXX EMPLOYEE OR SUB AGENT NEVER CAME TO MY PROPERTY TO INSTALL ANY XXXX XXXX XXXX TECHNOLOGY I CHALLENGE XXXX XXXX XXXX TO SHOW PROOF THAT XXXX XXXX XXXX OR SUB AGENT REPRESENTING XXXX XXXX XXXX EVER CAME TO MY PROPERTY AND INSTALLED THE XXXX TECHNOLOGY. AS THIS DID NOT HAPPEN THIS IS A FRAUDALENT BILLING AND DEBT COLLECTION THESE ARE FACT BASED STATEMENTS, HOW COULD THERE POSSIBLY BE A DEBT FOR ANY AMOUNT MUCH LESS {$600.00} WHEN NO PARTY REPRESENTING XXXX XXXX XXXX INSTALLED ANY SERVICE FOR XXXX XXXX XXXX TO BILL ME ANY AMOUNT OF MONEY? 

I AM REQUIRING XXXX XXXX XXXX & CREDENCE TO IMMEDIATELY RESPOND AND CLEAR THIS MATTER UP AND PROVIDE ME IN WRITING THIS IS A XXXX BALANCE. 
THERE IS NO OTHER OPTION TO RESOLVE XXXX XXXX XXXX BILLING ERROR, ONCE AGAIN BY XXXX XXXX XXXX - TYPICAL XXXX XXXX XXXX IF XXXX XXXX XXXX OR CREDENCE FILES AN ERRONEOUS DEBT ON MY CREDIT I FILE, I WILL PURSUE THIS LEGALLY. 

I FULLY EXPECT AN IMMEDIATE RESPONSE IN WRITING CLEARING ME OF THIS HORRIBLE ERROR BY XXXX XXXX XXXX UP.
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (FL)

Creditor Name XXXX XXXX Account number : XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months AFTER. I have been affected by XXXX XXXX Please update the month of XX/XX/XXXX. PLEASE UPDATE to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 5. CARES ACT 6. 15 USC 1666 ( BILLING ERROR ) 7. 15 USC 1681 C-1 8. 15 USC 1681 C-2
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX 2 payments were deducted from my bank of America checking account for my auto insurance with XXXX from my BOA checking account ending in XXXX, one for {$320.00} and one for {$310.00}. Only one payment was to be made to pay that months invoice but it is not known how 2 separated payments were made. I did set up one payment on XXXX 's for {$320.00} but the 2nd payment for {$310.00} posted first to the account and paid the auto insurance for that month. XXXX 's could not verify for me if the additional payment was accidentally a technical issue or put through by my insurance agent in error which also occurred in XXXX but has been corrected. I disputed the extra payment of {$320.00} through the bank and it was credited to my account on XX/XX/XXXX, however, Bank of America sent me a notice stating that it plans to reverse the credit of {$320.00} and charge my checking account {$320.00} on XX/XX/2020. Bank of America should not debit my account because as of today, I am now overpaid on my auto insurance and if they debit my account {$320.00} on XX/XX/XXXX, it will directly affect my billing and put me 2 months ahead which I do not want. I have attached documentation to prove my claim.
Consumer complaint received 2024-02-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NV)

On XX/XX/XXXX, I received a pre-legal notice from MCM, about a debt they claim I owe them. I have no recollection of such a debt. And I wrote them a letter disputing these claims. As well as asking them to cease contacting me I sent the letter via certified mail on XX/XX/XXXX. However, the calls have not stopped, even after I asked them to. At this point I feel harrased and frustrated that they are not respecting my wishes.
Consumer complaint received 2024-03-08
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. (MO)

XXXX, XXXX, and Equifax have all violated 15-USC - 1682. They do not and have never had my written consent to place these items on my report. In fact the only true credit reporting agency is the cfpb.
Consumer complaint received 2022-12-18
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-04-15
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)

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXXXXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NC)

Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed 3 Activity Designator Terms Frequency MONTHLY Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$2500.00} Credit Limit High Credit {$2500.00} Available Credit Account Dates Date Opened XXXX XXXX, XXXX  Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX And never use this!!! 
Reported Balance {$75.00} Credit Limit {$300.00} = Credit Utilization 25 % 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 % Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$75.00} Credit Limit {$300.00} High Credit {$75.00} Available Credit {$220.00} Account Dates Date Opened XX/XX/2022 Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact For questions regarding this account please contact : INDIGO - CELTIC BANK XXXX XXXX XXXX XXXX XXXX XXXX  and this one also
Consumer complaint received 2022-04-15
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: Affirm Holdings, Inc (DC)

A fraudulent reservation was made through the XXXX website using my Affirm financial loan info without my consent or knowledge. I contacted Affirm to report and dispute the unauthorized/fraudulent activity and after 30 days they settled on a resolution that I still owe this loan but did not provide any proof or reasoning why. I contacted XXXX to confirm that I've never had an account or reservation with them and asked if they had any knowledge of this reservation, which they did, and they've since removed the reservation from their site but claimed they would refund the full reservation amount since their was fraudulent activity done and they would look into it. NO additional information was provided from XXXX regarding the reservation. I also filed an affidavit with Affirm and submitted a FTC report on both organizations as a response to the resolution that I was a victim of identity theft and that the reservation made on the XXXX website was not done by myself or with my knowledge or consent. Affirm has since sent the now delinquent loan to 3 different collection agencies and 2 of the 3 stated that with the proof of documentation I provided to them, they would not be pursuing debt from me on this loan and would contact Affirm to confirm their decision. Affirm did not reach out to me with any updates or information at any point but proceeded to send me the third collections agency which I have not received any communication from. I've also filed a fraudulent dispute with XXXX in XX/XX/2021 and they also came back with a resolution that the Affirm loan will remain on my account. I have received no documentation to prove this debt is mine but have filed and sent fraudulent and identity theft reports, a signed affidavit, several calls and emails proving this loan was fraudulent, unauthorized and that it should be removed from my credit report. I've spoken to several Affirm supervisors and representatives that have a log of all the calls and emails and supporting documentation that proves this loan was not authorized by myself and should never have been approved.
Consumer complaint received 2022-04-15
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. (TX)

XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX GA XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Contacted all of these companies and neither of the companies recognize my name or ssn as anyone who has applied for anything. Spoken with Equifax and they have refused to remove it even after calling multiple times and advising of the error. I have had a freeze on my account since XX/XX/2021 and the Equifax has allowed companies to check credit without any consent.
Consumer complaint received 2022-12-18
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. (MS)

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 Account name : XXXX XXXX XXXX , XXXX, Account Number : XXXX XXXX Reference ID : 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. 

Also this company only has a license to collect debt in XXXX states. Those states are : Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nevada-FID, New Mexico, North Dakota , Oregon , Rhode Island & Wyoming . Which is verified on https : //nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1134094.

This account was disputed by another collection agency ( XXXX XXXX ) and sold to this company. 

Remove this account immediately!! 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-13
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. (KS)

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines.

Credit Reporting Resource Guidelines. States : The FRCA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information, to update and correct information. SEE PAGE 7-3 Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines : All account numbers should be reporting the same. XXXX and Experian are reporting late payments in XX/XX/2021.
Consumer complaint received 2022-12-18
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: Credence Resource Management, LLC (MS)

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 Account name : Credence Resource Management , LLC, Account Number : XXXX Credence Reference ID : 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. 

Also this company only has a license to collect debt in XXXX states. Those states are : Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nevada-FID, New Mexico, North Dakota , Oregon , Rhode Island & Wyoming . Which is verified on https : //nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1134094.

This account was disputed by another collection agency ( XXXX XXXX ) and sold to this company. 

Remove this account immediately!! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against Experian, XXXX, and XXXX, regarding their handling of inaccurate information on my credit report. Despite disputing the inaccuracies, Experian, XXXX, and XXXX conducted an insufficient investigation that resulted in the verification of fraudulent accounts, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I first became aware of the inaccuracies on my credit report when I noticed discrepancies in the information reported by Experian, XXXX, and XXXX. I promptly filed a dispute by certified mail with Experian on XX/XX/2024, tracking number # XXXX, XXXX XXXX # XXXX, and XXXX tracking # XXXX, providing detailed documentation highlighting the incorrect names, dates of opening and closure, as well as the presence of fraudulent accounts. 

Despite my efforts, Experian 's investigation into the disputed accounts came back as " verified, '' indicating that they failed to conduct a thorough examination of the inaccuracies. The verified presence of fraudulent accounts on my credit report not only tarnishes my creditworthiness but also exposes me to potential financial harm. 
I have enclosed copies of all three credit bureau reports, where I have clearly highlighted in red circles the incorrect information and fraudulent accounts that Experian failed to address adequately. The discrepancies present on my credit report are not only concerning but also indicative of Experian 's negligence in upholding their obligations under the FCRA. 
The inaccurate reporting of fraudulent accounts by Experian is not only damaging to my financial standing but also constitutes a violation of my rights as a consumer. Experian 's failure to conduct a thorough investigation and rectify the inaccuracies on my credit report is unacceptable and warrants immediate action. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate measures to hold Experian accountable for their actions. I request that Experian be compelled to remove the inaccurate and fraudulent accounts from my credit report and take steps to prevent similar incidents from occurring in the future. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that my rights as a consumer are protected.
Consumer complaint received 2022-04-15
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 — Problem with personal statement of dispute
Company: Spring Oaks Capital, LLC (IN)

I thought it is used through XXXX about an account that is listed as charge off! The account was sold to a collection agency which keeps reporting the account as a new debt every 30 days and is causing a catastrophic drop in my credit score by XXXX points! Only through XXXX