davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting 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)

XXXX, XXXX, and Equifax are reporting inquiries that I did not authorize and dont recognize. The below inquiries need to be immediately deleted from my consumer report. 

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Consumer complaint received 2024-03-07
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)

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 Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-16
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. (OH)

This is the second or third time I have filed a complaint over an account from a 3rd Party collection agency that I have never done business with. I demand a re-investigation of the following account : XXXX XXXX XXXX XXXX XXXXXXXX. I have no record of this account and I never received any documentation of notice before this account was added to my credit file.
Consumer complaint received 2021-11-12
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: Eastern Account Systems of Connecticut, Inc. (CA)

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX, XXXX XXXX XXXX ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n
Consumer complaint received 2023-03-02
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 were made without my consent or knowledge and without my direct authorization and signature and therefore I want to have them removed from my credit as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
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. (NJ)

I attempted to go through a refinance company on XX/XX/2021, for my mortgage and to my surprise was told that some derogatory information by EQUIFAX MORTGAGE SOLUTIONS, a credit check service for the mortgage industry; whom I NEVER gave expressed nor written consent to have a report in the first place with any of my personal data/information is reporting inaccurate, false, misleading and deceptive information that is impeding me from moving forward with this refinance company. It is a fact, that, I, have reason to believe and do so believe, I am a victim of aggravated identity theft under Title 18 U.S.Code 1028A, as EQUIFAX MORTGAGE SOLUTIONS, has knowingly used without lawful authority, without my permission a means of my identification, which is in direct violation of 15 USC 1681b. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. Under the FCRA, I have the right to dispute all incomplete and inaccurate information in my credit reports with the agency that made the report. And as a, federally protected consumer, I will use all remedies available to me, and hold the CRA liable under 15 U.S.Code 1693m for the actual damage caused to me, as well hold them liable for any and all violations, and of course hold them liable for criminal liability pursuant to 15 U.S.Code 1693n. Please see enclosed attachments of proof provided to me by the refinance company of the same derogatory inaccurate information I am disputing here today, that they see on their end. I have already attempted to handle this over the phone with the company in this complaint, and as of yet no luck, and no solution based outcome as come out of it.
Consumer complaint received 2015-04-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Legal Recovery Law Offices, Inc (CA)

On XXXX/XXXX/XXXX a judgment for {$8100.00} was taken against me without my knowledge. The debt buyers had won by default. On XXXX/XXXX/XXXX, my neighbors received a letter addressed with my name and their address, containing a 'subpoena deposition for bank records ' and XXXX for 'production of business records ' addressed to our bankI was never informed because they never delivered a supoena. 

I went to the courthouse and asked to see my file,. When I saw the process servers paper I knew why. This hearing was supposed to be defaulted, and if my neighbors would n't have given me the mail with their address, a year after the hearing, I would n't have gotten thus far. 
I went to file to vacate the order and a to quash the 'subpoena duces tecum ' and was denied. I tried to explain to the judge that I never received a subpoena and the process server lied because the description on his paperwork did not describe me, and in fact it was the opposite description of me. 
I could not vacate the order, they lied about everything, sued me on a time barred debt for {$8100.00}, and proceeded to place it on my credit report, as though I opened the account with them. This is when my neighbors address was put on my credit report as mine, and stipulated it was to stay until XXXX. This year his business address showed on my credit report also. I have had their home address removed this week, now I will work on the business address being removed also. 
While investigating all this I believe that my credit report is how they found out what bank to go to, and making it appear that I owed them a debt and they were the creditors. But by not informing me of the hearing and winning by default, messing with my credit report, I have stressed enough from all this just to have my motions denied. 
I also looked into the hearings they have going on in their home town, XXXX XXXX, there were literally XXXX of people being sued, are any of them receiving their supoenas? or will they win again by default.?
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, i am the living breathing man XXXX. i hereby am filing a formal complaint against XXXX XXXX Credit Card, for violating my consumer rights under the authority of the fair credit reporting act in an extension of credit transaction. XXXX XXXX credit card furnished my non public personal information to XXXX, XXXX and Transunion without my written consent which is enforced under the Fair credit reporting act and the Gramm leach Bliley act for my rights to privacy. Furthermore, i would like the inquiry removed from all credit reporting agencies immediately. I am aware my consent is required for such information to be furnished. I do not give consent or power of attorney to act on my behalf to any party above-mentioned. Please take notice XXXX XXXX, Transunion, XXXX, and XXXX can be held civilly and criminally liable. This is my good faith attempt to resolve these matters. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved SEAL
Consumer complaint received 2015-10-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (AZ)

keeps calling my job, and leaving messages stating that the law enforcement will be at my job or residence with a letter. Not sure who is doing this. I 've requested documents to be mailed to my house, but that has not been done. Not even sure who the company is, the message does n't leave the name, just a phone number to call back XXXX. I do n't owe any money to pay a payday loan.
Consumer complaint received 2024-03-07
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Bank accusing me of owing them for having system discrepancies which had absolutely nothing to do with me. I did a transfer back in XX/XX/2022. My bank statement from XXXX XXXX shows the instant transfers to the checking account which I had at the time with XXXX XXXX XXXX XXXX debit card ending in XXXX. It shows the precise amount with cash app transfer fees and XXXX XXXX bank statement shows the amount received! This account was never over-drafted prior to the transfer but somehow immediately after the transfer became over-drafted which made no sense. This bank is accusing me of sending extra funds I never sent! My statement is PROOF of what I transferred over exact! This bank also knows they had system discrepancies as they admitted to me they did and for that credited my account majority of what they initially accused me of but still left a balance of {$80.00} because they still want money from me after crediting the account of over {$250.00} for their system discrepancy. I only withdrew exactly what I transferred over to the checking account, nothing more or less! My statement backs up my theory!
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (CA)

I have been involved in a fraud investigation with Aspire since XX/XX/XXXX. It has been declined 3 times. Over the past 7 months I have been told by fraud supervisor ( XXXX ) that it was a moto scam. They have credited my account and said they were sending me a refund. I was told that it would take up to 20 days to receive the check. I waited 20 days and called. At that point I was now told that the investigation was declined. It was reopened for review and declined again stating my email matched my name. In XXXX I received paperwork from a company called XXXX XXXX XXXX stating that an unauthorized party obtained data from them. That the data involved included my personal information, email, date of birth, social security number, passport number, driver 's license number, and health insurance information. On XX/XX/XXXX I sent XXXX the new information and was told it was being investigated once again. Yesterday, I received a collection call for the balance of my account {$3.00}. I told the individual that it was a federal crime to try to collect while my account was under investigation. I spoke with 2 customer service supervisors who all agreed. They said they would have the fraud dept call me back this morning. This morning when I contacted them for an update because they hadn't yet called I was told that my account was currently under investigation and that I just had to be patient. But, that it currently showed that it WAS still under investigation. I then received a message from aspire that I had new account activity, that my account balance of {$3.00} was now {$98.00}. So, I called back and was told that my account was no longer in a current investigation that it had been declined as of XX/XX/XXXX the day before my payment was due and that it had acrrued a late fee of {$35.00} per day it was late. No explanation for why it was denied or how it has now been backdated to XX/XX/XXXX. Tonight I went in to pay my balance because I don't want it being reported to credit agengies and it has now jumped from {$98.00} to XXXX. I have paid the balance in full. I orginaly reported this to the police department as well to identitytheft.gov as well. Someone was able to get into my email and obtain my aspire information and used it to purchase items from XXXX XXXX. I found out today that XXXX XXXX issued credits to Aspire in XXXX and Aspire said they have already applied it to my principle. If XXXX has acknowledged this as fraud I do not know why XXXX has come to this conclusion. I suspect that they were fearful that their collection department called me during an open investigation and I called them on it. Then all of a sudden, the investigation is closed and backdated to before my payment is due.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Corp Solutions Inc. (PA)

Hi, i received a letter from Credit Corp Solutions Inc indicating that there alleged debt on my name which is no accurate and false information, i filled and reported XX/XX/2018 identity theft, i never use XXXX my entire life, i beleived somone use my name and address like happended XX/XX/2018 then i reported to Federal Trade Comissioner and Identity Theft, i'm request from this collection agency verify this alleged debt and disputed becuase i never used XXXX, they should investigate and mark this account as fruad activiity i reported this fraud and ID Stolen to Consumer financial protection bureau Federal Trade Commission PA state Attorney General Note : this alleged debt is fruadlent since i reported and recoreded by police report on XX/XX/2018 and has been already fraud on my credit report you don't supposed to contact me again by mail or phone or email this account must be disputed and fruadlent
Consumer complaint received 2021-11-12
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-05-18
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. (NV)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.