davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one has violated my rights according to 15 USC 1692g Validation of Debt. I am disputing account # XXXX. They are using deceptive means to try to collect the alleged debt. A company called XXXX XXXX XXXX tried to collect the debt and failed to validate the account. Also, Capital One Failed to provide notice that I can dispute the account and or file a CFPB complaint option on the letter they sent me. At this point it is inaccurate and needs to be deleted off my credit report immediately
Consumer complaint received 2022-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

There is collections account on my credit report with the total of {$2600.00}. This is not the first time this debt has been added to my report. I disputed it last year with XXXX and it was removed from my account immediately. This year it has been added back on. I am not the owner of this debt and I would like it removed and not put on my credit report again. The company name is XXXX XXXX  XXXX. This company has not reached out to me about this debt and has not provided any proof that the debt belongs to me. I will like this removed immediately.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion has reported negative information on my credit file without my consent or authorization. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither TransUnion nor the reporting agency has provided this documentation. This raises serious concerns about TransUnions compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The unauthorized reporting has negatively impacted my credit score and financial standing, causing significant hardship. I have not granted them the authority to access or report any information about me under the Fair Credit Reporting Act ( FCRA ). Their failure to comply with these legal requirements has caused undue harm to my credit standing. I respectfully request that the CFPB investigate this matter and take immediate action to have this derogatory information removed from my credit report. I have repeatedly communicated my concerns to TransUnion, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, TransUnion continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, as well as proof of identity to confirm who applied for these frivolous debts.
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (TX)

XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry dates XX/XX/XXXX XXXX 

15 USC 1681 section 602 A. States i have a right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (DE)

" XXXX XXXX '' continues, still to report inaccurate information on all three major credit bureaus. I have disputed in which they never provided me with ANY requested proof of debt or VALIDATION METHODS. THIS IS AGAINST THE LAW. 

I also created an identity theft affidavit and submitted this in my recent complaint. The result was that they simply " updated '' the account on Experian, which was literally just the same information on the account as before. 

DELETE THIS FROM MY CREDIT REPORT BECAUSE IT IS FRAUD. I NEVER AUTHORIZED THIS ACCOUNT AT THE AGE OF XXXX. 

IT IS ALSO PAST XXXX  YEARS ON THE ACCOUNT, A CLEAR BREACH IN MY STATUTE OF LIMITATION RIGHTS. 

I WILL SUE IMMEDIATELY IF AFTER THIS COMPLAINT THE BUREAUS HAVE NOT DELETED THIS FROM MY REPORT.
Consumer complaint received 2024-09-12
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. (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. 

and list of Inquiries. 

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 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I used my Citi credit card to purchase a XXXX XXXX flight ticket through XXXX on XXXX XX/XX/XXXX with the amount of {$1200.00} Due to flight cancellation by the airlines, XXXX XXXX has issued me a full refund of {$1200.00} to the original form of payment. XXXX has also confirmed the refund was processed on XXXX XX/XX/XXXX. However, I was unable to receive the refund on my citi credit card account, after multiple attempts to contact the customer service team. In XX/XX/XXXX, I requested a dispute be initiated to correct the refund error ( Attachment 1 ) but citi dispute department has refused to do so, with the reason being the transaction occurred too long ago ( Attachment 2 ).
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (NE)

I'm not entirely sure if my creditor is taking action against me because I maxed out my credit card but my payments have been on time thus far. I do believe my creditor may be using my balance to shut me down by saying I owe them.
Consumer complaint received 2022-09-29
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: WELLS FARGO & COMPANY (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. WELLS FARGO XXXX Date Opened : XX/XX/2018 Balance : {$5800.00} This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2022-09-29
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. (OH)

Equifax credit bureau has multiple inaccurate addresses and work history on my credit report. I know that the credit reports bureaus have to report 100 % accuracy and I have sent out letters to delete inaccurate information and it has been way longer than 30 days and Equifax has not deleted information or responded back.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was made aware of a huge decrease in my XXXX XXXX in XX/XX/XXXX, after looking into all three credit bureaus I noticed an account that was incorrectly reported as an adverse account on Transunion. I disputed it and was told it was updated and was a satisfactory account and has been reported as paid as agreed/never late. I also called the credit lender for the account and was told that there was never a late payment on the account, they had reported this to Transunion on the dispute I filed and told me to wait up to XXXX months for them to update the information. I also called Transunion for information and they told me I had XXXX accounts with late payments and every account was satisfactory. XXXX is also reporting that I have XXXX account that has a late payment of over 60 days, yet when I call them and look over my entire credit report, there is no account with a late payment and they tell me they can't help me because they don't see this delinquent account. I also called XXXX and requested my scores and information from each bureau, and XXXX shows XXXX late accounts, and XXXX and Transunion both show XXXX account with a late payment, but can not tell me what account as when they look in their records, there isn't XXXX. I paid for an account with XXXX and requested my credit reports from all three bureaus, which has shown that XXXX and Transunion are reporting a negative account, which is XXXX XXXX, but again when you look into this account it states account paid satisfactorily and never a late payment. I even called XXXX XXXX for this account and was told there was never a late or missed payment and they have no idea where this information came from. This account was closed in XX/XX/XXXX. This is severely hurting my XXXX XXXX and hurting me financially, and no one seems to know where this inaccurate information is coming from. The credit bureaus keep telling me there is nothing they can do and I have to call XXXX for them to fix it. When I call XXXX they tell me there is nothing they can do, they get their information from the credit bureaus and I need to call them to fix it. I was also told by XXXX to call a XXXX XXXX, which I did, and they did not have any advice on what to do either. I also contacted a lawyer who told me to file a complaint, and then possibly sue.
Consumer complaint received 2024-09-12
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. (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 : XXXX 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023 & XXXX Date of inquiry : XX/XX/2023.
Consumer complaint received 2022-09-29
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, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : credit bureaus won't give me full account numbers of the above accounts 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 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 2022-09-29
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: Experian Information Solutions Inc. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed item and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 


XXXXXXXX XXXX XXXX  XXXX ....
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Transunion to verify the disputed item and remove them if unable to prove that the Items are mine. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXXXXXX XXXX XXXX XXXX ....
Consumer complaint received 2022-09-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

In XXXX of XXXX, Nelnet, the provider of my federal student loan, reported my loans 90 days pasted due while my account was on an approved forbearance. My loans went into forbearance in XXXX of XXXX. Since each semester is a separate loan, about ten different loans hit my credit report as late payments and 90 days past due. These marks killed my credit score and haven't held me back over the past several years. However, I haven't been able to get a car, purchase a home for my family, or get a credit card. I have proof from Nelnet that my account was forbearance during the period when my credit report states I was late 90 days. Please let me get this removed.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (NM)

I sent a letter on XX/XX/2022 to the three major credit bureaus Experian, XXXX, and XXXX to remove personal information that I do not want on my credit report ( I am attaching the tracking information ). According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CT)

My name is XXXX XXXX, I had a few concerns with the Shellpoint Mortgage Company, I recently completed a Mortgage modification with them a few months ago. I recently found out that shellpoint Mortgage reported me to the credit reporting agencies as late on payments. I was never later on my payments. I followed the bank process and the instructions, including making all the trial payments, s and continued to pay my mortgage even when I was told no payment due. I was diagnosed with XXXX in 2019, XXXX, and struggled with other chronic health issues. Still, I continue to cooperate with the bank only to find out they are deliberately reporting customers late so they may stop the customer from re-financing and leaving their organization. I recently found out that Shellpoint just settled a class action suit for dishonest practices and lying to current customers during the XXXX crisis and has recently settled. I spoke with the attorney and was notified this may be an additional complaint file based on bad business dealing with retaining the customer base if they are reported late on their mortgages, the opportunity to re-finance or leave the company is not afforded to the customer. Shellpoint is guilty of creating policies that do not allow for the customer to move forward by choice. I have requested a decision on how shellpoint arrived at their decision to report my account late. I was told 3-5 days, then change to 7 days, then change to 30-45 days. I have made a recording of my phone call to one of the representatives. Please help.
Consumer complaint received 2022-09-29
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)

I have already sent you a complaint previously to inform you that I am a victim of identity theft. I have also sent multiple letters to the credit bureaus regarding this and I have not received any response from them. I have recently checked my credit report and I noticed that the item that I have previously disputed is still reporting on my credit report. The negative items listed below do not belong to me. I am in need of your help in removal of these items from reporting on my file. I will include here the copy of my identity theft report together with the letters that I have sent to the credit bureaus and some documents to help in the deletion of these negative items found on my report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX