davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
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: EQUIFAX, INC. (TX)

Subject : Urgent Report : Unexplained Credit Score Drop and Stolen Car Situation Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention a concerning situation involving Equifax and XXXX XXXX, and I seek your assistance in resolving the issues at hand. 

Recently, I received an alert from Equifax notifying me of an XXXX drop in my credit score. Upon further investigation, I discovered that Equifax removed my mortgage and installment accounts ' credit history, specifically my car loan with XXXX auto. This is perplexing, as my credit report is clean and in good standing, and I have been making timely payments. Strangely, my last payment was just last week. 

Adding to the complexity, I received a letter from XXXX XXXX congratulating my sister, who is the cosigner, for paying off the car loan. This is perplexing as well, as I am the sole owner of the car and have made all the payments, including the final one last week. The letter was addressed solely to my sister, and it mentioned sending her the title in the coming weeks. 

The situation is further complicated by the fact that my car was stolen on XX/XX/2023, by an individual named XXXX XXXX. The theft occurred at the XXXX, XXXX XXXX, XXXX XXXX employees ' private parking, and the police report number is XXXX. Despite providing all relevant information, both XXXX XXXX  and the XXXX Police Department have been uncooperative in helping recover my stolen car. 

I am deeply concerned that after reporting this discrepancy, Equifax may re-add the account to my credit history, adversely affecting my credit score. I urgently seek your intervention and assistance in resolving both the credit reporting issue and the lack of cooperation in recovering my stolen car. 

I appreciate your prompt attention to this matter and your assistance in rectifying these challenges. Thank you for your time and support.
Consumer complaint received 2021-05-03
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be XXXX  % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-04-06
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: Bread Financial Holdings, Inc. (FL)

I have inquiries from your bank that i did not authorize..These inquiries were made by my ex wife without my knowledge or consent XXXX XX/XX/2017 & XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I have had an ongoing issue with Midland credit management. I have filed both an FTC report and police report and made this company aware that these are not my accounts. They requested an updated FTC Identity Theft report with the account numbers and the date I was made aware of the fraud. I have listed it on the report. I am demanding this company delete both accounts or further actions will be taken.
Consumer complaint received 2022-04-28
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. (NJ)

I would like ( CREDITREPOTING AGENCY NAME HERE ) to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX they have caused me and my family.
Consumer complaint received 2024-03-03
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. (TX)

Despite my previous written requests for EQUIFAX to provide me with the name of the person in their company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file EQUIFAX ignored my rights and instead told me that they are labeling my dispute as Frivolous. Their actions clearly demonstrate their willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.1. The following personal information is incorrect : XXXX XXXX XXXX XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The following personal information is incorrect : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. The inquiry was not authorized : XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX  XXXX. Date of inquiry : XXXX XXXX inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX/XXXX. Date of inquiry : XX/XX/XXXX XXXX inquiry was not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX/XXXX. Date of inquiry : XXXX XXXX, XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Physical proof of verification was not provided for XXXX XXXX. Account Number : XXXX XXXX proof of verification was not provided for : XXXX XXXX. Account Number : XXXX XXXX XXXXPhysical proof of verification was not provided for : XXXX XXXX XXXX Account Number XXXX XXXX XXXX
Consumer complaint received 2021-05-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (PA)

I have had my student loans dismissed because of my XXXX. I called Educational Credit Management Corperation ECMC XXXX and inquired about this loan because according to my credit report these loans were opened on XX/XX/XXXX in the amounts of {$1900.00} {$1300.00} {$4600.00} {$2500.00} and they are reporting this as paid collection charge off.I questioned it because I know for certain I didn't open a loan during that time. I called to inform them that this account might be fraudlent because I am a victim of the equifax data breach. I called and spoke to a represesntative who stated that I opened these accounts in XXXX and that the date opened that I see is actually the date my account defaulted on my loans. I informed the representative that they were illegally and knowlingly reporting misinformation to the credit bureaus. This company has been doing this for years knowing that if they reported the correct date they wouldn't be able to report that account as a charge off and that payment information wouldnt be impacting my credit negatively. This affects the age of my credit file as well. I have my primisory notes as well these loans were discharged by the federal government because of 34 CFR 685.213 - Total and permanent disability discharge I fall under veteran part of this. I became XXXX XX/XX/XXXX and they have been reporting this information since then. I am trying to buy my first home and have worked very hard to clean up my credit with no help from any agencies or lawyers. Since I've been doing this now my file is very limited. I can't even get a credit card because of so many charged off accounts and how recent they are. The customer representative said that these would stay on my report until XXXX even though I just informed her that the company was reporting misinformation to the credit bureau. I have contacted the credit bureaus about this to clear it up but this company is doing some illegal practices.
Consumer complaint received 2022-04-28
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. (NV)

In accordance with the fair credit reporting act the following accounts has violated my rights : 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 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were fraudulent accounts created, once I was aware the accounts were closed. I also stated that these were to be deleted or removed and they remain on my credit profile and they were not authorized at all by me. These accounts were all done in fraud I have sent letters emails and phone calls
Consumer complaint received 2021-09-10
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. (FL)

My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Equifax reports my middle initial as XXXX  which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This complaint is a continuation to complaint XXXX as your investigation was deemed inadequate and failed to provide proof of the company in question ( XXXX XXXX ) legal right as outlined within the Fair Credit Reporting Act. 
It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that you've outlined applies to my communication with XXXX  nor have they provided any proof to the contrary. In addressing your research into my initial complaint with TransUnion prior to my formal complaint to CFPB, I had called Transunion that resulted in phone prompts that went nowhere and provided no resolve. 

My rights as a consumer are being violated and expect this complaint to be taken seriously, as this company XXXX XXXX has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I originally reached out to the creditor to have them correct the inaccurate information and they advised I NEEDED to file a complaint with each credit bureau. Last year I filed a complaint with each of the respective credit bureau ( XXXX, XXXX XXXX and Equifax ) in XX/XX/XXXX to notify them, they were reporting inaccurate information on one of my credit accounts. I sent each credit bureau a signed and notarized document stating the inaccuracies via certified mail with tracking number XXXX. I received confirmation that each credit bureau received each dispute packet on XX/XX/XXXX. I know my rights as a consumer and after thoroughly reading the 108 pages of the Fair Credit Reporting Act, I know each credit bureau has 30 days to investigate and correct the disputed information and/or notify me with the results of their investigations within 5 days of completion. However, when I went to look at my credit reports today ( XX/XX/XXXX ) with my credit monitoring account through XXXX XXXX, there are no changes with the disputed account and the inaccuracy within it. I never received any results of the investigations with ANY of the three credit bureaus. I am filing a complaint with the Consumer Financial Protection Bureau to help me with this ongoing issue.
Consumer complaint received 2018-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX and they removed these items, however, XXXX and transunion failed to reply at all.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX, has violated the consumer rights of XXXX XXXX XXXX ( the alleged debt consumer ) and any variations of the name, by reporting charge offs ( XXXX  ) to profit credit reporting agencies. No transactions or experiences are allowed to be on a consumer credit report. Income is forbidden to be on the consumers credit reports. Alleged Consumer of the debt confirms that no 1099c forms was ever provided or mailed to alleged consumer. Nor has any validated and verified proof of original creditor or alleged consumer data was provided to prove that the debt is legally responsible to be paid by alleged consumer, XXXX XXXX XXXX or any variation of the name, states sue has never had a contract with this debt collector for any debt. Please DELETE this account immediately and the ARBITRATION process will take place for EVERY negative account that has been reported and EACH time it has been reported per negative account. 15 U.S. CODE 1681 ( n ) Pursuant 15 U.S. Code 1681 ( 2 ) ( a ) ( ). Please contact all agencies, corporations and organisations that you have reported this information to within 10 days of this notification. I expect to see each negative remark listed on all accounts DELETED PERMANENTLY including but not limited to XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and all other nationwide consumer reporting agencies. 

Respectfully, XXXX XXXX, UCC1-308
Consumer complaint received 2024-03-03
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: EQUIFAX, INC. (TX)

According to the FCRA these companies are violating my rights. Under 15 USC and 1681 I did not authorize or gave written permission to have those accounts furnished on the credit report. I attempted to purchase a vehicle and was denied due to the credit reporting, This is a defamation to my character and it is only hindering me from moving forward after a divorce.
Consumer complaint received 2024-01-17
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on XXXX and XXXX of XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MI)

My consumer report has a line item from XXXX XXXX  for a medical debt purchased from another company. This debt has already been paid. My consumer credit score has been negatively impacted. I sent a Cease and Desist notice dated XX/XX/22 by certified mail on XX/XX/22, and it was received on XX/XX/22. The corporation has failed to communicate with me within the 7 days response time per my demands in connection with this notice.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I tried to apply for a credit card through my bank XXXX XXXX  and was denied on XX/XX/2018 due to insufficient credit file I also tried to apply for an apartment at XXXX  XXXX XXXX  XXXX Texas and was also denied because a flag is on my credit fraud protection with XXXX. I tried several times to contact XXXX  and try to resolve this matter for I did not put this on my credit and it's causing me not to be able to apply for things I did to dispute a matter which was fraud use on my credit they completed that dispute and just dismissed it off my credit but they also added a fraud protection which I did not ask for and I am not able to apply for things that I need to apply for and I'm being denied from companies.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL, XXXX EMPLOYER XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (MA)

I received notification from the credit bureaus about a collection that was reported by Ability Recovery Services LLC on XX/XX/XXXX with a status of seriously past due/ assigned to attorney, collection agency, or credit grantor and internal collection agency for a debt of {$440.00} and a balance updated in XX/XX/XXXX. No other contact is provided on the credit bureaus except for a XXXX XXXX  XXXX. 

I had a few accounts that were opened fraudulently in the past. I was a victim of Identity theft and provided an official statement about the crime with the FTC report # XXXX. A total of 10 accounts opened from XX/XX/XXXX with XXXX XXXX. These accounts were opened fraudulently to obtain goods. I have mailed a dispute letter to the company today XX/XX/XXXX to the address on the credit bureaus po box XXXX Wyoming PA XXXX, the XXXX, FTC & Massachusetts AG office . Thank you!