davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (TX)

In accordance with the Fair Credit Reporting Act, the creditors have violated my rights. Under 15 U.S.C. 1681, section 602, it states that I have the right to privacy. Under 15 U.S.C. 1681, section 604 ( a ) ( 2 ), it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I respectfully request that any late payments be removed.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This account is the result of identity theft that was carried out by my mother. I have discovered that she had been opening accounts in my name for nearly 20 years. Though I do not know when this started, the first fraudulent account was opened in XXXX of XXXX. The latest was opened XX/XX/XXXX. I have a special needs condition and that is how my mother was able to use my information without me knowing. Now that she has passed, I am trying to clear these fraudulent accounts from my credit report. So far accounts are being removed, but Capital One refuses to remove the 2 accounts. I have completed an ID theft affidavit that was notarized, and police report because that's what was recommended to me. I then sent this to the credit bureaus and the companies directly in XXXX of this year. Capital One claims they found no signs of fraud and they will not remove the accounts. After everything I provided them, they still refuse to help me.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Unauthorized inquiry by XXXX on XXXX Unauthorized inquiry by XXXX XXXX on XXXX Unauthorized inquiry by XXXX XXXX  on XXXX Unauthorized inquiry by XXXX XXXX on XXXX Unauthorized inquiry by XXXX on XXXX I called each company to state that I didn't initiate these inquiries and requested for them to delete the inquiries from the bureaus or send me a deletion letter. I was ignored after several request.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Date XX/XX/2020, Amount owed {$1000.00} Midland Credit Management discussed my account with a family member who is not on the account and they obtained his phone number illegally.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (CA)

Filed a dispute regarding incorrect balance and payment history with reporting agencies XXXX  and XXXX. Upgrade responded via email with an obviously stock robo answer that information was indeed correct and that it takes 30 to 60 days for the reporting agencies to update information. They are the only creditor that I have where this seems to be the case. I resubmitted an additional dispute and received the same response. I then filed a complaint on this website after seeing my score drop 18 points. Upon further investigation it appears now that rather than correct the information they have reported to the credit reporting agencies my account is now reported as being closed. Which it is not. It sure didn't take 30 to 60 days to report my account as closed. Seems a bit retaliatory.
Consumer complaint received 2021-08-24
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-02-15
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. (NV)

Equifax Credit File : XXXX XXXX Confirmation # XXXX page 16 of 16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is not an address correct XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is correct. 
I still live at this address as Equifax has me down as previous address which is incorrect on there part
Consumer complaint received 2021-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have a first and second note with Specialized Loan Servicing. I was able to get my first loan modification on my first loan and I am presently current but the second loan of {$140000.00} I have not tried to negotiate with the second because I am able to afford to pay for the first and that is why I did not intend to accept a modification because I was not able to afford another payment. Also I never knew that a second lien can be able to Foreclosed I was informed that it will be in my credit report and that I had an option to settle for a lesser amount of the debt.. I did offer them back then like in 2 years ago the amount of {$13000.00} but they denied the settlement, they just wanted to offer a loan modification. I am now getting notices that I will be Foreclosed I am in shock because as I mentioned I did not know that they are really Foreclosing on me when I am paying the first laon and I am current, and how can they Foreclosed on a Family that has been making payments on the Primary loan and the second loan is the lesser amount than the first and the Second is now Foreclosing on me. I am very surprised that the lender that has been receiving my payments every month since I was modified in 2018 I have not missed a payment and always on time and now the second loan is capable to just take away my Family roof. Why the Primary Loan is not able to stop this process agains our home. I called Specialized Loan Servicing and they said I can not get any type of help due that I am less than 30 days from the Foreclosure date and a Loan Modification is not an option, only to Reinstate my loan. How would they think I can come out with {$42000.00} to pay them to stop the Foreclosure. Please help me find a solution to save my home.
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

hi, My name is XXXX XXXX XXXX. My Chase bank account number is XXXX. Somebody stolen my check a year ago. This check was supposed to pay my property tax. The burglar use the fake ID and also altered the check. The thief went to XXXX XXXX cashed the check. I contacted the chase claim department 9 months. They said I will get my refund in 2-3 months. But they were lyiing to me again and again. I went to branch twice to submit my documents. After one month they called me that they need my property tax bill. I gave it to them. They always have excuses when I called them. I just contacted the executive office. They said I didnt give them the property tax bill. They have to reopen a claim for me again. This was a lying. I was so mad about this. They treat poor people like a trash. They dont care about our situation during this pandemic.
Consumer complaint received 2023-08-01
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. (AL)

I am writing to file a formal complaint against Equifax regarding an ongoing issue with the reporting of an account from XXXX XXXX  on my credit file. The case number for my previous complaint is XXXX. Despite providing the necessary documentation and following the guidelines set forth by the FCRA, the account in question remains on my credit report, even after Equifax 's initial response stating otherwise. 

On XX/XX/2023, I submitted a complaint to CFPB about Equifax, stating that the account from XXXX XXXX  appearing on my credit report was a result of identity theft. To support my claim, I included a detailed identity theft report and an official police report, as recommended by the relevant credit laws. My intention was to rectify this issue promptly and protect my credit profile from any further harm. 
On XX/XX/2023, I received a response from Equifax, Case # XXXX, in which they stated, " Please be advised that Trade : XXXX XXXX  is not reporting on your credit file. '' Despite this assurance, I regret to inform you that, as of XX/XX/2023, the disputed account continues to appear on my credit report under the closed accounts section. 

I urgently request a formal and complete deletion of this fraudulent account from my credit report, as previously stated by Equifax. Reporting identity theft accounts is a matter of utmost importance, and prompt resolution is essential to safeguard my financial well-being. The extended duration of over XXXX months to address this matter is deeply concerning and has caused significant distress. 

To assist you in investigating the situation, I have attached the following documents : 1. A copy of my most recent credit report, clearly showing the erroneous entry from XXXX XXXX. 
2. A copy of the police report documenting the identity theft incident.

3. The previous correspondence from Equifax, which falsely indicated that the account was not reporting.

I sincerely hope that you will take swift action to rectify this situation and ensure the immediate removal of the erroneous account from my credit file. I trust that the Consumer Financial Protection Bureau will prioritize this matter to protect consumers from the impact of identity theft on their credit histories.

Please feel free to reach out to me if you require any additional information to expedite the investigation process. I look forward to a prompt resolution to this complaint.

Thank you for your attention to this urgent matter.
Consumer complaint received 2021-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC (PA)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 XXXX : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,
Consumer complaint received 2022-12-31
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. (GA)

This is XXXX XXXX, and I am submitting this CFPB Complaint to you today to follow up the previoues CFPB Complaint I submitted requesting the immediate removal of the fraudulent accounts and information I found on my Credit File. I sent a letter on XX/XX/XXXX, to remove inaccurate personal information, inquiries, and accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I am requesting that you remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$350.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law to help me resolve this matter at the earliest possible time.
Consumer complaint received 2021-02-23
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. (FL)

I have provided my driver license and social and recent bill. 


Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately.
Consumer complaint received 2019-10-24
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-14
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. (NY)

On XXXX XXXX, I decided to review my credit report.After reviewing my credit report amongst the 3 credit bureaus ( XXXX, XXXX and Transunion ), I noticed that there was unauthorized use of my personal identifying information as stated in section 603-15 U.S.C.1681a ( q ) ( 3 ) of the Fair Credit Reporting Act.Following my review of my credit report, I proceeded to file an identity theft report on the identitytheft.gov which I submitted on XXXX XXXXOn XXXX XXXX, I also submitted a letter to XXXX, TransUnion and XXXX to notify them of the situation.The specific details on my credit report that I am referring to is XXXX XXXX and they are stating that had I had a balance of XXXX which was paid then closed.Also, on my credit report is a claim from XXXX XXXX XXXX.They are stating that I have a balance which totals the amount of XXXXThat account was opened on XXXXThey have it as an open status.XXXX  also made a claim towards my report and they are reporting that I have a collection account in which I have a past due balance of {$320.00}.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Heritage Finance Company, Inc. (NC)

Loan is in my name. Just found out the bank put the vehicles in someone elses name but mine not included. Other person canceled insurance without my knowledge and since they are not in my name I can not reinsure. Talked to bank about it being illegal to do so and they were of no help
Consumer complaint received 2022-12-29
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX SPRINT ) XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX WY XXXX, CA XXXX ; XXXX XXXX NA Inquired on XX/XX/2021 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX : XXXX XXXX XXXX 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021
Consumer complaint received 2021-02-23
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,
Consumer complaint received 2023-04-14
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX ACCT NUMBER XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 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