davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I havent gave anyone permission to run my credit report XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX applied to anything this year Ive reached out to credit bureaus never get an answerr I want and need these things removed from my credit report please and thank you. 



Also I have an late payment stuck on my credit I wonder if you guys can help Ive reached out to the credit union for an pay to delete delete still hasnt heard anything back
Consumer complaint received 2022-04-11
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. (NC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been disputing these fraudulent and inaccurate accounts and am requesting that they be deleted. Additionally, an FTC was included in my previous dispute. I will be heading to civil court in my state of Georgia to file a claim against your company after this, as it is my final time disputing this account.
Consumer complaint received 2024-10-31
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-01
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: CITIBANK, N.A. (FL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card under an open consumer credit card plan as late to any purpose.
Consumer complaint received 2024-10-31
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (OK)

MRS BPO LLC notified me via mail that they were collection on a 'debt ' that they claimed I owed XXXX XXXX 

XXXX XXXX had, in fact, previously charged us incorrectly ( part was an overcharge and part was previously paid ). Through various phone calls, XXXX agents had studied the account and said they would work it out. However, nothing happened, we stopped calling after a while, assuming they had finally done the analysis. Then, MRS BPO contacted me.

I promptly returned the MRS BPO form, advising that the debt is not owed by me.

MRS BPO did not respond to me, but instead filed a collection against me with credit bureaus. 

It is unfair that XXXX XXXX can claim a debt for which there is no signature, and now proof. I can not control how their agent keypunches into their system. 

MRS BPO LLC should not have ignored my response. They should either go to court to try to prove the debt, or cease collection. Filing with the credit bureaus is fraudulent, as they have no proof that I owe the debt ( and I strongly deny it ).
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ALLIANT CREDIT UNION (DC)

On the XXXX or XXXX of XXXX, I initialed a domestic wire from my personal account to my Business account. Upon entering in the numbers for the receiving bank, I noticed that I was able to enter all the account numbers. This prompted a call to Alliant, where the representative couldn't explain the error and referred me to Docusign. They still processed the wire and it was rejected by XXXX XXXX XXXX. The next day, we resubmitted the wire and the system allowed entry of all numbers. After being insulted by the supervisor and the system error, I deemed it appropriate to request for both fees to be refunded. They have refused. As a Former XXXX XXXX myself, I can't find a reason of why they wouldn't honor my request outside of being disrespectful even to the extent of calling me by my first name without permission. 

I'm requesting this agency 's involvement.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the immediate blocking and deletion of specific accounts on my credit report, following a recent data breach that exposed my personal information to unauthorized parties. Under the protections afforded by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts or inquiries removed from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

We had our loan through XXXX XXXX  and then it got sold to NewRez which an affiliate of Shellpoint. In XX/XX/2020, we received a notice from XXXX which is our home insurance company that our policy will get canceled due to failure to pay premiums. They said that it will be canceled if they didn't receive the payment by XXXX. We called the mortgage company and they said that they didn't have our insurance policy information ( but they never mentioned that to us or ask for it, which for a fact I know that it was transferred when the loan was sold to them ). After 3 different calls and a long run around, we did a conference call with XXXX so they can get all the information needed. From there, we thought all was resolved. As of today XXXX we found out that we have no home insurance because it was canceled due to failure to pay. Knowing that we had an escrow account with NewRez and never ever have we missed a payment. Now we have to find a new policy and pay extra because we " defaulted '' in our insurance payments. Of course they are not taking any responsibilities and they even denied a conference call with XXXX while my husband was on the phone to grant authorization.
Consumer complaint received 2024-10-31
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-05-02
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. (MS)

In accordance with the Fair Credit Reporting act, 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
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Bank has late payments on my credit report ( consumer report ) that shouldn't be there. 

I contacted Wells Fargo on XX/XX/2022 disputing the negative items on my credit report. They responded on XX/XX/2022. In this response they have not validated the negative items that they've place on my credit report. They have not provided any contractual document bearing my signature. Also, they did not disclose their verification methods and who they contacted to verify the account information that I'm disputing. Below is a list of a few laws that they've violated. I've also attached proof of their response to me. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681a subsection 2 - Exclusions : states that the term " consumer report '' doesn't include a report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (OH)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

To Whom It May Concern, I am writing to dispute several inaccurate entries on my Equifax credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my credit report, I found items that are either inaccurately reported, unverified, or fraudulent. As the FCRA mandates that credit reporting agencies report only accurate information, I request that these items be investigated and, if necessary, removed. 
Inaccurate Items to Dispute : 1. XXXX XXXX XXXX ( Account # XXXX  and # XXXX ) - Status : Updated, but discrepancies exist across reports. Please verify or remove. 
2. XXXX XXXX XXXX ( Account # XXXX ) - Status : Updated, with discrepancies across credit bureaus. Remove if not fully accurate. 
3. XXXX XXXX ( Account # XXXX ) - Status : Updated, but discrepancies found across reports. Please verify or delete. 
4. Hard Inquiries - I have identified several hard inquiries on my Equifax report that were not authorized. Please investigate and remove any inquiries not verifiable by Equifax. 
Personal Information Update Request : Additionally, I request that only my primary address and name be associated with this report : - Name : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

ive been in contact with XXXX XXXX  in regards to a public record on my credit report. XXXX XXXX made a dispute on my behalf on XX/XX/2022 dispute # ( XXXX ) to XXXX experian, and XXXX and with no reply stating they have no record of a public record bankruptcy on my credit report they never replied 30 days has exceeded from first dispute. after awaiting the resolution of the dispute i called back XX/XX/XXXX and filled a second dispute ( XXXX ) still after 5 days no reply today XX/XX/XXXX i personally also filled a dispute and asked about prior dispute on my behalf they claim to never received a dispute. ive also filled a dispute before they claim they receive information form XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Unauthorized inquiries remain on my consumer report despite documented identity theft claims. These fraudulent entries have caused direct financial harm, including loan denials. I have filed reports with the FTC ( documentation attached ) confirming my identity theft victim status.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at XXXX XXXX opened on XXXX XXXX, an account at XXXX XXXX XXXX  opened on XX/XX/XXXX, a XXXX XXXX XXXX account opened XX/XX/XXXX, a XXXX XXXX XXXX account on XXXX XXXX and a XXXX XXXX account on XXXX XXXX. I also notice the addresses and Names on the report also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries, soft inquiries and fraudulent collections appearing on my consumer XXXX credit report. The information given that are in question is listed as well as a copy of the consumer XXXX credit report maintained by you ( EQUIFAX ) which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you ( EQUIFAX ) were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported my account 90 days past due which dropped my credit scores XXXX points.
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX