davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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. (DE)

I have previously brought to your attention the issue of generic validation letters being sent in response to disputes against XXXX XXXX XXXX  and the 2 fraudulent accounts in my name, rather than a thorough investigation as required by the FCRA. This practice is in direct violation of several sections of the FCRA, including but not limited to : Section 611 ( a ) ( 1 ) ( A ) : This section mandates that consumer reporting agencies ( CRAs ) must conduct a reasonable reinvestigation to determine the accuracy of disputed information.

Section 611 ( a ) ( 5 ) ( A ) : This section requires CRAs to promptly delete or modify inaccurate, incomplete, or unverifiable information.

Section 611 ( a ) ( 7 ) : This section emphasizes that CRAs must provide a written summary of the results of the reinvestigation to the consumer within five business days of its completion.

These accounts were the result of identity theft so of course the information matches mine, BUT I am not the one who agreed, open, or used this company. 

Account : XXXX {$26000.00} Account : XXXX {$16000.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

According to my rights under 15 USC Code 6802 ( b ) ( 1 ) regarding the obligations of financial institution in disclosing nonpublic personal information to nonaffiliated third parties. According to the law, you are required to : -Clearly and conspicuously discloses to me in writing or electronic form, that my personal information may be disclosed to an nonaffiliated third party ; -Provide me with the opportunity, before my information is initially disclosed, to opt out of such disclosures : -Account Name : XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX -Account Name : XXXX XXXX XXXX XXXX Also has incorrect personal information . The correct information is ; Name : XXXX XXXX XXXX : XX/XX/1989 Address : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I logged in to my Equifax, and I see a blank report under my account. The website XXXX XXXX XXXX shows the error that I need to call custom care and say this error code : XXXX. 

I called many times and only what they say : " There is a technical problem with your account. We escalate this and give you a call back '' They never called me back and didn't fix the issue. So I cant use this at all. 
I am also unable to purchase their premium products because they are canceling all my attempts to purchase them. I feel discriminative, and agents from Equifax can't help or resolve my problem. 

It's been 6 months already I'm trying to get my account fixed. 

With all being said, I can't get my credit report
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my Equifax and XXXX credit profiles.
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PROFICIO FINANCIAL SERVICES, LLC (NV)

On XXXX/XXXX/2015 I spoke to XXXX XXXX and paid off XXXX invoices that XXXX had past due. At that time I let him know that I thought it was a XXXX month contract and that I would be contacting XXXX to go over the invoices since we did n't use their services for XXXX and XXXX. I left a message for XXXX XXXX to return my call to discuss. On XXXX/XXXX/2015 I received another e-mail from XXXX with an email letting me know that it was XXXX months and I informed him again at that time that I was still going to fight it since we have n't used the service. 
He then proceeded to send me a hostile email that was rude and unprofessional. Once I read it I called him and asked him why he was so rude and unprofessional in the email. I let him know that I was contacting the company and trying to get it squared away. He just laughed and said he didnt give a XXXX!! Was screaming and yelling at me and then said he turn us into XXXX and XXXX. As you can see in the email his tone, rudeness and tactics of trying to intimidate. 
He should be shut down or fined for his behavior. If this is how he is threating people and companies I would never want this company working for me or anyone else I know
Consumer complaint received 2024-02-12
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. (SC)

This is my 3rd time disputed this XXXX XXXX XXXX XXXX account ending in XXXX and it did not get deleted. I have sent a police report, ID, Identity theft report, A LETTER FROM THE CREDITOR SAYING IT WAS A RESULT OF FRAUD. their DID NOT DELETE THIS ACCOUNT BECAUSE OF FRAUD. This account needs to be deleted asap.
Consumer complaint received 2024-02-12
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. (AZ)

To Whom It XXXX Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LHMDODGERA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LHMCHRYSLE Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2017-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnions investigation about my debt dispute with XXXX did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.
Consumer complaint received 2024-02-12
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. (CA)

I requested XXXX to give me verification of this account to prove it is mine. I also asked for the same verification from the XXXX and Equifax. I have yet to receive it at all. Also the account has been charged off for awhile and according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) its considered income by the irs and income can not be reported on your consumer report! This needs to deleted immediately! You have already deleted it and there is no way in 3 days letter you proved that it was verified and put it back on. THIS INFORMATION IS INACCURATE NOT MINE AND A FRAUDULENT ACCOUNT! It needs to be removed at once. Im going to have to sue after this because this is ridiculous. They are not upholding the consumer law my rights Also all these inquiries ARE NOT MINE!!! Remove them at once! How many times have I requested proof and how many times must I say they are not mine a fraudulent. Remove them at once!!!
Consumer complaint received 2021-11-01
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (IL)

American Express National Bank XXXX XXXX XXXX u s a all disputes have timed out of the past ten years due too barriers to citizens of the united states not being able to gather and forward supporting documents from hotels and airlines in the us when it was charged on a prepaid bank card the bank will not help in any matter with all of the above
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NC)

I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of {$12000.00} for a debt with XXXX  XXXX XXXX and Velocity Investments , LLC. The letter states the principle balance is {$7200.00} and Interest Balance of {$5200.00}. 

Please provide documentation as well as check the FDC status.
Consumer complaint received 2017-11-02
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. (MA)

This complaint is an update with more documents to show the issues with XXXX XXXX XXXX. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/XXXX.
Consumer complaint received 2024-02-12
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. (SC)

This is my 3rd time disputed this XXXX XXXX XXXX XXXX  account ending in XXXX and it did not get deleted. I have sent a police report, ID, Identity theft report, A LETTER FROM THE CREDITOR SAYING IT WAS A RESULT OF FRAUD. their DID NOT DELETE THIS ACCOUNT BECAUSE OF FRAUD. This account needs to be deleted asap.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

The entire balance and debt I owed Bank of America was discharged under Chapter XXXX by the United States District Court-District of Minnesota on XX/XX/2020. Bank of America received a copy of my bankruptcy discharge notice. Bank of America is violating The Equal Credit Opportunity Act ( ECOA ) by discriminating against me, by not allowing me to open up a Bank of America checking account.
Consumer complaint received 2020-10-14
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: CL Holdings LLC (VA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX ) ATTACHED LETTER NOTE : This account had been deleted off my credit report in by XXXX XXXXXXXX. 
2 ) XXXX XXXX ( XXXX XXXX XXXX XXXX ) ATTACHED LETTER This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

I opened a second checking account with Well Fargo for bill paying my account went negative due to unauthorized transactions and thereafter the account closed and was sent to a collection agency without notice. After contacting Well Fargo at its executive level spoke with a XXXX XXXX XXXX refused to oversee the matter in its entirety when I ask for her direct contact information she refused to provide her direct information only after I advised her that I would complain she then gave me her full information.
Consumer complaint received 2024-02-12
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. (DE)

I have tried to fix this problem but the credit card company doesn't want to fix the problem. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies are not mine and I would like you to research these to see if they are mine and if not delete them from my credit account. On the XXXX  15 USC 1681 Sect. 602A States that I have a right to pvcy. and that Consumer XXXX. can't put thing 's on credit that is 15 USC 1692C 604A.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Several entries were left on the credit reports after two formal written notices regarding the erroneous items that are seemingly the results of identity fraud. 

The information was disputed again and has not been verified. 
The credit bureaus ( TransUnion and XXXX ) have openly admitted on a recorded line that they do not have a contract that was required to be on file within 7 days of reporting the erroneous information. The communications repeatedly lead to nowhere and are causing undue pain, stress and suffering as a result of the derogatory information found in my credit reports and resulting inability to get the financing that I need. 

I have the notarized copies and certified mail receipts for each interaction and would like to exercise my right to take legal action if the matters are not resolved.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the list of the account that is still reporting on my account : 1. WAKEFIELD & ASSOCIATES ( Original Creditor Name XXXX XXXX XXXX ) Opened XXXX XXXX, 2015 Balance {$290.00}
Consumer complaint received 2021-11-01
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: American First Finance, Inc. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on AMERICAN FIRST FINANCE I. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

" Dear CFPB-Please see attached files For months I have submitted complaints to XXXXEquifax/XXXX regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX / Equifax/XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They haven't been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response. ''