davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Re : Demand to Delete and Remove Inaccurate Credit Information To Whom It May Concern at the CFPB : I am writing to file an official dispute and demand that inaccurate and unauthorized negative information be permanently deleted and removed from my credit reports with the major credit bureaus - XXXX, Equifax, and XXXX. I have endured significant financial hardship and distress due to these wrongful credit listings that I have no knowledge of nor provided any form of consent for. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have federally protected consumer rights to privacy, accuracy, and the ability to withhold permission for information to be furnished to the credit bureaus. The erroneous accounts listed on my credit reports violate the following provisions of the FCRA : 15 USC 1681, Section 602 ( a ) establishes my right to privacy and to have only fully accurate, relevant information reported on my consumer credit reports. 

15 USC 1681s ( a ) ( 1 ) states that no person or entity shall furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

As I did not authorize or consent to the reporting of this inaccurate information : Account # : XXXX or XXXX Last Activity : XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX The status shows open on 2 bureaus but closed on the 3rd the furnishers and credit bureaus failed to maintain reasonable procedures as mandated by the FCRA. This represents a clear violation of my consumer rights that must be corrected. 

I have made attempts to resolve this matter directly with the credit bureaus by providing documentation and following their dispute processes. However, they have failed to permanently remove these erroneous and inaccurate items from my credit file as required by federal law. 

Therefore, I am escalating this issue to the Consumer Financial Protection Bureau to demand a full investigation and the permanent deletion and removal of all inaccurate negative information on my credit reports immediately. 

Enclosed is supporting documentation of the inaccuracies along with previous correspondence with the credit bureaus showing their violations. I reserve the right to pursue any and all further legal remedies available to me under the FCRA if this matter is not promptly and permanently resolved through correction of my credit reports. 

Thank you for your timely attention to this serious matter. I look forward to your investigation and the complete deletion and removal of all inaccurate items from my credit reports as mandated by law.
Consumer complaint received 2019-09-20
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. (AZ)

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of job loss, garnishment of wages, being sent to jail and prison, threats of violence and death from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX Debt Collection Representatives regarding fraudulent accounts that are not my accounts and do not belong to me. The accounts with the above creditors are all fraudulent accounts and not my accounts. Its extremely disturbing, repulsive and frightening that I am receiving death threats for accounts that are fraudulent and are not my accounts.This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. The above creditors are in serious violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (PA)

I had money deposited into my account. I did a transfer to another account I was charged a fee. Deposit of a check made on XX/XX/19, check deposited at another bank they did not cover although the money was there, another fee. My local branch did not help. I called service they tried to help. So today, I went to the local branch to close my accounts, and tell them my concerns. Poor service, racial profiling, discrimination, and racism. I voiced my concerns about the poor service, my observations, and concerns about unfair, unjust, and erroneous charges. The entire time I was sitting down. I never used foul language, and no threats. She did not like my tone, and what I had to say which was only the truth. I am sitting down, closing my accounts, and she calls the police. The police! She had absolutely no reason to do that, no laws were broken. Why do XXXX people always call the cops on minorites! Why? They must like having minorites XXXX, and XXXX for no reason. I have more education, more degrees, and licenses than her. I would never jeopardize my name, or family. What she did was false, a false accusation. She had absolutely no reason to do that accept out of spite, vindictiveness, and plain evil!
Consumer complaint received 2019-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

Re : CBE GroupXXXX. They call me at XXXX almost everyday. I have advised that the person they are trying to reach is not me nor at my number. Yet they continue to call. I have tried to block the call but they continue to call me. No sure what else I can do. I have had this same phone number for more than 40-years so I can not figure out why they continue to call. 
XXXX XXXX
Consumer complaint received 2019-09-20
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. (AZ)

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of job loss, garnishment of wages, being sent to jail and prison, threats of violence and death from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX Debt Collection Representatives regarding fraudulent accounts that are not my accounts and do not belong to me. The accounts with the above creditors are all fraudulent accounts and not my accounts. Its extremely disturbing, repulsive and frightening that I am receiving death threats for accounts that are fraudulent and are not my accounts.This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. The above creditors are in serious violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Lighthouse Finance Solutions LLC (FL)

Told to stop paying creditors as Lighthouse Finance would manage accounts and seek settlement. Wasn't told I must default on accounts! 
Complaint Telemarketer / Representative should have stated you must become delinquent and default on accounts for settlement process to take place. 
Very misleading. Requested to cancel ...
Consumer complaint received 2023-03-31
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (IN)

I recently began the process of refinancing my home in order to pay off credit card debt accrued during training/schooling. I owed nothing on my home and since rates are low I thought it a good time. I was able to easily obtain all needed information from all credit card companies except for PayPal. I could not access my account number for PayPal credit via secure portals on the website nor via the app. All other companies allow access to account information via secure portals. I contacted PayPal and they said the only way I could get information was via mail. It has been 8 days and still no information. I contacted them initially on XX/XX/2019 and again XX/XX/2019. I attempted to contact them XX/XX/2019 but could not get through via phone. They offer live chat but I was refused help and told to call and you can only send an email if it falls under very specific circumstances. I did some research and learned PayPal credit was sold to Synchrony Bank within the last 6-12 months. I was not notified of this. I never received a credit card and did not even realize there was a difference between PayPal and PayPal credit. Because of this holdup and PayPals inability to provide me with information that IS MINE my loan may not go through. I made the mistake of telling PayPal I needed the information to pay off the balance of the account and that my intention was to close the PayPal account. How am I able to make a payment every month and to make purchases without ever having an account number provided to me?
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NJ)

On or about XX/XX/2023, I became apprised of the fact that there are FOUR UNAUTHORIZED inquiries on my Equifax credit report. 
On XX/XX/2023 I notified Equifax of their error and demanded these unauthorized inquiries be removed. 
Equifax did NOT respond within the required 30 day period. 
My attorney recommended I file a formal complaint with the FTC for breach of privacy for the inquiries in question as release of my equifax information WAS NOT AUTHORIZED. I filed those reports ( FTC Complaints enclosed ) Equifax once again IGNORED the demand to remove the inquiries. 
I am left with no choice but to file formal grievance with CFPB and to formally put on notice to Equifax that there are now {$2000.00} into FCRA violations. 

Equifax depended solely on its flawed e-Oscar system and produced a canned boiler plate letter noting that companies can place inquiries. THIS DOES NOT COMPLY WITH THE LAW. 

As in Cushman v TransUnion, Stevenson v TRW ( XXXX ), and Richardson v Fleet ( Equifax ), the courts have repeatedly ruled that the CRA could not merely " parrot '' information from creditors or collection agencies ; they have to conduct an actual, independent investigation to ensure the validity of the inquiry. Sending out a generic letter through e-oscar does NOT comply. 

As Equifax is aware, each violation of the FCRA allows for damages of {$1000.00} should I take this matter to Court.

If Equifax fails to remove the noted inquiries, I reserve my right to take this matter to Court and obtain not just removal of these inquiries but also damages, court costs, and any other remedy enabled under both Federal and New Jersey law. 

Be guided accordingly
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IN)

I received information from a recent update on my credit report of MERCHANTS CREDIT GUIDE placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or no attempt was made to contact me. I received absolutely nothing regarding this.
Consumer complaint received 2023-03-31
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. (NY)

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.DIVISION IF XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-20
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. (TN)

I tried calling Experian for an explanation into why my data is sent to XXXX when I click send on their site. I was not able to get past their automated system. I have attached an image that shows where they are connecting to XXXX.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (CO)

My Bluebird by American Express account was suspended for reasons unknown to me on Friday, XX/XX/2019. I received an email to contact XXXX XXXX XXXX. Upon contacting XXXX XXXX XXXX shortly after I received the email, I was told My account was permanently suspended and given no options to collect my remaining balance of {$490.00} and was told my account could not be recovered. I contacted XXXX XXXX XXXX again on Monday and was told to provide my mailing address so a check with the remaining balance on my card could be mailed to me since my account was permanently suspended and could not be unlocked. I provided my mailing address and was told a check would be in the mail and that I would receive it in 7-10 business days. I have not yet received any of my remaining balance so once again I contacted XXXX XXXX XXXX because I received another email that showed my remaining balance was still on the account. On XX/XX/2019, I spoke to a woman who told me that they could not send a check despite what I have been told and was told to contact Bluebird Customer Care via mail and gave me a mailing address as they do not have a phone number. I now have to wait for my letter to be received by Bluebird Customer Care and then wait an additional 10-15 business days for a response. I only wish to get my remaining balance Off of the account as I no longer want to do business with this company.
Consumer complaint received 2023-03-22
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)

hello I XXXX XXXX is not a third party is XXXX because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and XXXX  because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Consumer complaint received 2023-03-21
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. (NE)

Equifax has stated that it will not investigate my claims of inaccurate reporting on my credit file. After repeated request to have my credit report updated to reflect the inaccurate items be investigated Equifax has failed to correct this issue and still are reporting inaccurate information on my credit report even though i have showed factual information to support my claim. If this matter cant be resolved i will seek legal action against Equifax. 

XXXXXXXX XXXX inaccurate information reported. ( payment history ) XXXXXXXX XXXX inaccurate information reported. ( payment history ) XXXX  inaccurate information reported. ( payment history )
Consumer complaint received 2019-09-20
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. (FL)

THE FOLLOWING INQUIRIES ARE ON MY REPORT THAT WERE PUT THERE ILLEGALLY, AND THEY WERE UNAUTHORIZED : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LOANS ALSO XXXX XXXX XXXX SHOWING UP TWICE ON THE CREDIT REPORT, WHEN THIS ITEM WAS REPORTED AS FRAUD.
Consumer complaint received 2023-03-21
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. (CA)

I am expressing my frustration and concern regarding the lack of communication from Equifax regarding my claim ( Claim number : XXXX ) for the recent data breach. I filled out the claims form several weeks ago and have yet to receive any updates or confirmation on the status of my claim. I mailed it out XX/XX/XXXX and it was received on XX/XX/XXXX which is where I got the Claim number from. 

As a customer who has been affected by the data breach, I am deeply concerned about the safety and security of my personal information. I am seeking reassurance that my claim is being processed and that my personal information is being protected. 

Furthermore, I have requested reimbursement for damages caused by the data breach, and I have stated that the amount of reimbursement I am seeking is {$20000.00}. However, I have not received any confirmation that my claim has been received or any updates on the status of my claim. I have documented over XXXX in losses to date and probably missed more than I added. 

The breach has caused significant financial and emotional distress for me. I have spent countless hours trying to mitigate the effects of the breach, including monitoring my credit reports and accounts, changing passwords, and notifying my bank and credit card companies. In addition, I have incurred expenses related to credit monitoring services, identity theft insurance, and other fees. 

I urge you to take immediate action to address this situation and ensure that I am protected from future data breaches. I would appreciate your prompt attention to this matter and an update on the status of my claim ( XXXX ) as soon as possible.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP (GA)

In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to experian, XXXX and XXXX immediately as fraud and also reported them to XXXX. XXXX stated that the account was canceled then in XXXX it populated back onto my bank account. I never authorized opening any accounts, nor did I sign for any cards, also I never used the stated card. I have no active XXXX cards opened in my name, nor have I ever opened XXXX or missed a payment with my credit cards. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. Since then we have contacted the sheriffs fraud department and initiated an investigation. XXXX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, in addition to all of the fraud that has been accumulated.
Consumer complaint received 2023-03-18
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.