davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681-2 ( 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 2022-09-06
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. (MO)

I appreciate the effort done by the Credit Bureaus to remove a portion of the disputed Fraudulent items being reported on my Credit Report. However, I immediately noticed that some of the fraudulent items are still being reported. I am now submitting this CFPB Complaint to request another investigation and if possible be completely removed from my Credit File. I have read that the Credit reporting Agencies are required to remove any account and information that could have been resulted due to identity theft under the Fair Credit Reporting Act section 605b. If the Credit Bureaus claim that the disputed accounts belong to me, I need the Credit Bureaus to please provide me copies of documents bearing my signature as proof of verification. Some of the disputed accounts were already deleted from the other Bureaus and it makes me wonder why is it too difficult for the other Credit Bureaus to not remove the disputed items from my Credit Report. Again, please remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO, XXXX US DEPT ED XXXX XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} US DEPT ED XXXX XXXX : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX XXXX : {$2600.00} XXXX XXXX XXXX : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$7500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2020-04-16
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. (TX)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX   XXXX {$300.00}
Consumer complaint received 2019-12-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.
Consumer complaint received 2022-09-06
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. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-09-27
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. (MO)

When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX and Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$4800.00}
Consumer complaint received 2022-09-06
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. (GA)

Please delete the following inquires as they were not made by me : 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, and the following accounts XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as I have never applied nor giving consent for the following companies to have access to my credit report to establish account
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

I have a membership with Experian credit service but can't get on the site I call and a tech advised me the press Ctrl & Shift & Delete and my computer crashed he tried for two hours never fixed the problem I called another company that repaired my computer but still I can not get on experian site I sent experian thee emails with no solutions I want to get what I pay for every month I have been with experian for over 10yrs I know how to work the site I feel they should honor their product
Consumer complaint received 2022-09-05
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)

Been attempting to solve the issue with the Bureaus and have yet to get a positive response of the matter and Now I am prompted to File an FTC report on the matter. The following accounts are fraud and should be removed from my credit report : XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX  : XX/XX/XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXXXXXX : XXXX : Collection : Fraud XXXX XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : Inquiry : Fraud XXXX XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXXXXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XX/XX/XXXX : Inquiry : Fraud US SM BUS ADMIN ODA : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud
Consumer complaint received 2022-09-06
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. (AZ)

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The following personal information is incorrect Account Number : Former : XXXX, XXXX 2. The following personal information is incorrect Account Number : Former : XXXX, XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 5. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX  XXXX  XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. there is some inaccurate information reporting. XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. The following account is not mine XXXX  XXXX  XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 16. The following account is not mine XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
Oh by the way I hope you understand that the FCRA states in the section below
Consumer complaint received 2022-07-30
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. (MO)

I am submitting this complaint in response to the current evaluation presented by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to correct. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my Personal information. I have also been sending multiple letters before, but despite all my efforts, the Credit Bureaus have been doing nothing! I am appalled by the ability of the Credit Bureaus to pay no attention at a consumer 's requests. I am inclined to pursuing legal action and sue the Credit Bureaus for their Actual damages done. I need the following items removed now! : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1500.00}
Consumer complaint received 2022-09-05
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. (SC)

I have attempted to have these inquiries removed twice. I have asked the credit bureaus and lenders to provide proper documentation of proof of inquiries as I can concerns for fraud the response is that it has been validated. My disputes have been opened and closed within such a short window that I doubt the information was actually validated. 

I would appreciate if the hard inquiries be deleted.
Consumer complaint received 2022-09-05
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: AES/PHEAA (OR)

In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Debt Dispute Violations by CRAs : They have reported late payments when I paid timely and in full accordance with my loan and XXXX agreement at the time of signing. The student loan agency failed also in notifying a creditor that I disputed the debt that it has reported and has repetedly failed to conduct a reasonable investigation of my disputes, and, or correct or delete any of the inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. 

When the loan was opened with he assistance of a XXXX XXXX at XXXX XXXX XXXX it was stipulated in the loan agreement that due to my XXXX I would always receive mailed statements. No statements were ever mailed. My account was part of a system issues that removed my account from being billed. And, the billing status was never rectified.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: UnBanked (CA)

i was suppose to get my unemployment and my ex sister n law went to check my mail and i guess she stole my card i didnt even know i had one until i got a letter in the mail i dont no how tpo get into the account are if she stole my money that was supposed to be on there to and if she did how can i go about getting it back
Consumer complaint received 2022-09-05
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)

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX account # XXXX, has violated my rights. 


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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-09
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-30
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. (MO)

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that creditreporting agencies still indicate my dispute of information in my credit report. As of todaysdate, XXXX Credit Bureaus has not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureau must complete their investigation within 30 days. Pleasecheck payment history, date open, last activity and Status of the following accounts thatwere reporting in error. 
XXXX XXXX Balance : {$0.00} ; DEPTOF EDUCATION/XXXX XXXXXXXX Balance : {$6700.00} ; DEPT OFEDUCATION/XXXX XXXXXXXX Balance : {$5100.00} ; DEPT OF EDUCATION/XXXX Balance : {$5100.00} ; DEPT OF EDUCATIONXXXX XXXX : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, This is in regards to my name- please see attached to this complaint as its the only name I go by and all other variations are incorrect and need to be removed from my credit report. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots where this is located
Consumer complaint received 2022-07-30
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)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to XXXX about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX : {$9700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CA)

After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. 
XXXX XXXX XX/XX/XXXX {$7600.00} XXXX  XXXX XX/XX/XXXX {$13000.00} AFFIRM XX/XX/XXXX {$2500.00} XXXX  XX/XX/XXXX {$870.00} XXXX XXXX  XX/XX/XXXX {$10000.00}
Consumer complaint received 2022-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Purchased a car XX/XX/XXXX and credit acceptance corp was my finance company. Same purchased car caught fire XX/XX/XXXX. Went to the dealer I purchased from when the engine first started knocking and was sent down the street to another dealer that honors my extended warranty but to no avail issue was not fixed and by the next morning while driving the car back to the dealer it caught fire and almost killed my daughter and I had I not pulled over and exited the car when it started to smoke. After calling the dealer and telling them what happened I was told Im sorry to hear that but your own your own. Extended warranty told me they dont cover fire. I was sue by credit acceptance XXXX with no recollection since the court notice was placed on my door I used to live at but that is acceptable as being served in Maryland so of course they won the lawsuit. My wages have been being garnished since XX/XX/XXXX up until I lost my job XX/XX/XXXX and since the entire time the loan is still on my credit report as open and 180+ days late reported every month!!!