davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
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: Franklin Collection Service, Inc. (TN)

Franklin Collection Services will not validate a debt that is reporting on my credit report. I have no knowledge of this alleged account or service that is reporting on my credit reports. I have reached out to them for total validation of the debt and they will not provide me with any documentation that would require me to pay them for any service. I asked them to provide me with proof that I have any legal obligation to pay them and they have not. The debt is very old and past the statue of limitaitions to collect and it needs to be removed off my credit file. Reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ).
Consumer complaint received 2018-02-25
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. (NY)

This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Equifax. Equifax refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX, pulled XX/XX/XXXX and XXXX XXXX, pulled XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX, AND XXXX XXXX inquiries need to be removed from my credit file. 

Attached to this complaint you will find a verification letter from Equifax stating that they were authorized to submit my credit file to the following companies because " Inquiries are a factual record of file access? '' What does this mean? Also attached to this complaint is a letter from Equifax stating how they verify account information on my credit file. They stated that everything they use to verify is all electronic and no physical documentation is used for proof. This method creates an enablement of identity fraud and possible data breach. Both letters are attached to this complaint. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification.

I do not recall authorizing these inquiries and demand they be removed from my credit file from Equifax.
Consumer complaint received 2021-03-01
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. (WA)

Good day, Dear Equifax team, after pulling a copy of my consumer report I have noticed you are reporting inaccurate information on the account XXXX/XXXX, due to inaccurate reporting you are in violation of the FCRA and you must delete this account immediately. Please delete this account due to the following inaccuracies : Re-aging debt date last active XXXX  reports as XX/XX/XXXX, Equifax reports as XX/XX/XXXX. 
this is inconsistent and reporting inaccurately. 

Date opened XXXX  reports as XX/XX/XXXX, equifax reports as XX/XX/XXXX XXXX this is inconsistent and reporting inaccurately. 

High credit XXXX  reports {$0.00} while equifax reports {$3700.00} this is inconsistent and reporting inaccurately. 

Account comment XXXX  reports as closed due to inactivity, equifax reports as charged off. This is inconsistent and reporting inaccurately. 

I XXXX XXXX solely submit this complaint and do not consent to e- Oscar or any means of automated verification.I have attached my drivers license as proof of my identity. Failure to respond to this complaint within 30 days could result in small claims action against your company.
Consumer complaint received 2018-02-25
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: TCF NATIONAL BANK (GA)

The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.
Consumer complaint received 2020-05-11
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. (LA)

Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (CA)

Re : XXXX To Whom It May Concern : I have reached out to Diversified Consultants several times, certified mail, via fax and email with no response.

This is not a refusal to pay, but a notice that their claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (CA)

ABR Recovery Services LLC has illegally tried to re-age my account. ABR claims that my account was opened on XX/XX/XXXX, when in fact it was opened XX/XX/XXXX as proof by the ATTACHED LETTER BY XXXX for them to READ once again. They also claim this was charged off XX/XX/XXXX which is also incorrect as stated by the original creditor, XXXX. The letter has been attached to this complaint and has been sent to them. The account date of 1st delinquency was XX/XX/XXXX. The credit bureaus maximum reporting time is 7 1/2 years from that date as explained by XXXX. That would put this account well past the statue of limitations on reporting this account on my file. This account was not charged off by XXXX XX/XX/XXXX as ABR Recovery Services has falsely claimed. Their information is either incorrect or they are knowingly trying to re-age my account to try to collect a debt I am no longer liable for. 
ABR RECOVERY SERVICES, PLEASE READ THE ATTACHED LETTER BY XXXX PROVING THAT THIS ACCOUNT IS PAST THE AMOUNT OF TIME IT IS ALLOWED TO BE REPORTED TO XXXX!
Consumer complaint received 2022-07-05
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. (VA)

Hello, I was in a the market to shop for car and they pulled my credit from few different lenders without disclosing it with me. 
I tried to dispute it with Transunion, XXXX and XXXX and i did not get a proper respond. I'm very upset that those hard inquires is going to be on my credit repots which I did not allowed it. I would appreciate it if we could get those removed. 

Thank You
Consumer complaint received 2021-03-01
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. (FL)

Upon checking my credit report, I notice an account from XXXX XXXX XXXX dba XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-03-01
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)

Upon checking my credit report, I notice an account from XXXX XXXX XXXX dba XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2018-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

See complaint ID : XXXX Continued attempts to collect a debt not owed. All previous debt collections agencies that XXXX XXXX has sent this debt to have discontinued contact. 

XXXX continues to have these debt collectors harass me.

CFPB, Credit reporting agencies have all decided in my favor. 

I want XXXX to tell me they are no longer going to purse this bogus " debt '' or I will pursue legal action against them.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Data Corporation (NJ)

I filed a dispute with XXXX due to XXXX XXXX XXXX XXXX reporting incorrect data about an account that was paid and closed ( they were reporting that the account was still open and in ok/current status ). First Data responded to the complaint and added additional false information by claiming my account was a chargeoff/collection account. This information is incorrect, as I was paying the account and it was in good standing at the time that I paid the remaining balance. Since First Data was not providing any equipment/service at the time, I asked for a flat amount to payoff and close out the account. First Data agreed, but never updated my credit report to reflect the account was paid and closed, which is why I contacted XXXX. It seems that in an attempt to retaliate due to my XXXX dispute, First Data added adverse and false information, which is now reflected as a derogatory item on my report.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MO)

Citi Bank lowers my credit limit then reports to credit agencies that I'm close to maxing out my cards when I haven't used either of the two accounts in months, then the credit agencies lower my credit score because I'm close to credit limit then Citi Bank lowers the limit more because my score went down, this is costing me {$1000.00} 's of dollars
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-10-02
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. (OH)

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX /XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2021-03-01
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)

All of my complaints within the CFPB were not taken seriously were not handled properly I was talk at not to. They refused to handle my complaints properly every time I got some type of notice about a complaint and I tried to respond I was not able to respond in a timely manner because my email would always bounce back to my mother who had some previous complaints which had nothing to do with me I want my complaints with respect reviewed and started from the beginning so that I can get a proper handling of that with this new administration. How I was unjustly treated. I told them I was a Disabled Veteran and that meant nothing to the them.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX card..sent account to XXXX XXXX   without my knowledge. Always had a {$160.00} allotment from retirement pay since XXXX ... after Hurricane Harvey hit last XX/XX/XXXX, lost car, furniture, eviction from home, mother ill in and out hospital, XXXX XXXX, 2 vehicle accidents..XX/XX/XXXX/XX/XX/XXXX XXXX I went down to $ XXXX/month.. wanted to keep sending what I could. I asked them would they please except this for like 5/6 mos.. til I get back on my feet.. Now recently they have deducted without my knowledge even more of what allotment was.. $ XXXX..requested hardship like XXXX ( XXXX XXXX card ) ..and they want all types of personal info from 2 prior months, ,ie..tax returns, bank  statements..just for a credit card.. orig balance was over $ 5000..and now it is down to $ XXXX- $ XXXX..this is ridiculous..PLEASE STOP THIS MADNESS..XXXX XXXX XXXX XXXX XXXX IS OVER XXXX XXXX CARD!
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

In XXXX  I deposit cashier check ( XXXX  ) in the BANK OF THE WEST in XXXX XXXX by XXXX ( MANAGER ). 
I have the receipt is done in XXXXXXXX XXXX. 
Today XXXX The money is not my account. 
I don't receive the check back. 
I don't receive the money back. 
I send XXXX email I send XXXX  fax and I go in person to the Bank. 

I need your help to recover my Money. 

Thank You XXXX XXXX cell # XXXX XXXX XXXX
Consumer complaint received 2018-02-25
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)

XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : TRANSUNION, XXXX AND XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX or TransUnion ] consumer report : Dispute : " XXXX   XXXX  XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-11
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. (TN)

The account below belong to a XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have provided support to the Credit Bureaus proving my identity. I have also submitted a police report, with regard to this account and the name, XXXX XXXX XXXX XXXX XXXX being used with my SSN. The credit bureaus have failed to investigate this account and have not provided me with any of the requested support. They have also continued to report this fraudulent name and account on my credit report.

Chargeoff for this account is duplicated each month and continues to report on my credit report. The " date last active '' also continues to change each month. According to the FCRA, the account details can not be changed after 180 days of the account being late. The account is continuously updated, though it was charged off in 2018. 

Account information : Creditor : XXXX XXXX XXXX  Account : # XXXX Amount : {$3300.00} Please remove this fraudulent account and inaccurate information from my credit report immediately.
Consumer complaint received 2020-07-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Hello, I received a call from someone from check into cash services saying that I owed them from a debt opened last year which I had explained to the associate that I never approved any online transactions for a loan. I had XXXX  XXXX XXXX and my account had been breached. I had to pay XXXX almost 3 times to keep my account open so that the bank could try and resolve the problem. The bank ended up closing my account because I refused to keep making payments on an account that I did sign. I spoke with check Into cash to try and work out something without me paying but they refused and ultimately sent the account into collections. I wish to dispute this transaction because I dont acknowledge this account and dont have the funds to pay it.