davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
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)

Good day, Per the FCRA 15 USC 1681 section 602 a clearly states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Equifax are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by the Gramm-Leach-Bliley Act 15 USC 6801 - " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the definitions under the aforementioned title, the following furnishers of information ( I'm including the account numbers as well ) are considered financial institutions : On XXXX : XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX On Equifax : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Additionally, I did NOT give verbal or written permission to the aforementioned furnishers, Equifax nor XXXX to furnish any information, according to 15 USC 1681 Section 604a section 2.

You can see 15 USC 6802 ( b ) ( c ) regarding a financial institution disclosing nonpublic personal information to a nonaffiliated third party.

Also see 15 YSC1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ) 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. '' These accounts are adverse and being reported without permission which is not allowed per 15 US Code 1681s-2 ( A ) ( 1 ). Both Equifax and XXXX are not adhering to 15 USC 1681e which says " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' I also sent in required documents to identify myself and requested that my personal information be updated ; however, XXXX has 2 names and 13 addresses on file for me. Again, my name is : XXXX XXXX and my address is : XXXX XXXX XXXX XXXX XXXX, NY XXXX And per 12 CFR 1016.7 again, I am opting out of your reporting services.
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX  ) {$470.00} I have not supplied proof under the doctrine by silence engenhalt v gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt
Consumer complaint received 2022-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TX)

Our home was impacted by a tornado on XX/XX/XXXX. I communicated with my mortgage company about the house being damaged and was instructed by the insurance company who was repairing the home not pay the mortgage since we werent going to be living at our home. 

Each time I received a letter I would reach out to them to let them know the same thing. I kept in constant communication with Caliber, we were placed at a hotel while they found a house for us, I mentioned my husband vehicle was crushed by a tree that landed on it. 
It wasnt until the end of XXXX when I received a pink notice on being behind that when I was told by an agent we could pay what was owed. I tried paying it at the end of XXXX since we had just paid out deductible if {$6500.00} we couldnt pay all of it. When I spoke to another agent I was told something different. 

In XXXX when I called again I was told our home was now in foreclosure status with a sale date of XX/XX/XXXX and the only thing we we could do is submit metigation application and so we did. 
Every document I sent something was missing, I was appointed a SPOC single point of contact however I spoke to different agent each time. My husband is considered a business owner and everything I submitted was always missing something. My husband drives someone 18 wheeler and the owner of the truck did a letter, submitted pictures of the checks, tax records for XXXX, XXXX. We didnt do our XXXX since all of our belongings were packed out out of house. 

This was not going anywhere so I finally and asked what we could do to correct this issue thats when I was told I could pay to reinstate what is owed. 

I also called HUD to advocate for us however, I always trouble getting ahold of.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I have acquired US SSN number in XXXXXXXX XXXX and following that, I contacted the credit bureau-s ( Experian, XXXX and XXXX ) to update my file with my SSN number in place instead of the previous TIN number, under which I was registered with these agencies. 

My address and personal details otherwise have not changed. 

I have got a considerable ( over 6+ years ) of credit history with XXXX XXXX and XXXX XXXX XXXX whom have updated my SSN number accordingly in their files, and has started to send my credit history to all the credit bureau-s according to their associates. 

However, up until today Experian still has not recorded any information in my credit reports from XXXX XXXX , even though that those lenders confirmed to me at least two times during my calls with their customer service representatives that they have been sharing all such information with the credit bureaus. They even sent a so-called " manual pull '' of my credit history to Experian to make sure that this is reflected in my credit report. 

I have sent three ( 3 ) letters to Experian to investigate this issue, and properly update my credit file with those information from the lenders above.

1, In the first time, they did not even send me a reply 2, the second time i sent a new letter dated on XX/XX/2022, for which they failed to comprehend the issue at all in their reply, as their response was immaterial to the issue that I had raised 3, the third time I sent another letter on XX/XX/2022, for which they responded they did not have enough information to honor my request even though that my personal information is stored under my Experian ID which was in the letter This whole situation is a disgrace, considering that the other 2 credit bureaus XXXX XXXX XXXX has got no problem updating my records properly. As of now, I have no FICO score since due to the thin credit report from Experian. Because of this I was denied for loans on multiple occasion due to " inadequate '' credit history.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX Account Number : XXXX has violated my rights.

15 USC 1881 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-12-10
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: Tally Technologies (TX)

My identity was stolen. Someone made purchases and obtain accounts in my name! The issue was reported to the federal government ( FTC ) as well as the credit bureaus and each company. The companies honored the removal requests after reviewing the appropriate documents, however, those same companies sold the accounts to debt collectors or other debt buying companies, and now the accounts are reporting again under new companies. Its devastating to say the least!
Consumer complaint received 2022-12-10
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: Southwest Credit Systems, L.P. (TX)

My identity was stolen. Someone made purchases and obtain accounts in my name! The issue was reported to the federal government ( FTC ) as well as the credit bureaus and each company. The companies honored the removal requests after reviewing the appropriate documents, however, those same companies sold the accounts to debt collectors or other debt buying companies, and now the accounts are reporting again under new companies. Its devastating to say the least!
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-09-18
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. (TX)

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1981 section 604 A. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2022-04-19
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. (PA)

i did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer
Consumer complaint received 2022-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (IA)

It was never disclosed to me that this was a consumer credit transaction, and that I am the Creditor/investor and beneficiary. all " charges '' were to be included in the finance charge, and that it was I who " lent '' the credit to the " original lender '' it is extortion, peonage, slavery for them to claim I owe a debt when there can be no debt in a consumer credit transaction, because I was the source of the Credit. they violated the consumer protection laws, failed to setoff and balance account and are receiving unjust enrichment at my expense. show me anywhere in the application, promissory note, mortgage where i actually " owe '' a debt. Federal and State law, says that you must protect the consumer and his interests. but Shellpoint mortgage servicing aka " owner of the " loan '' '' has failed to do so. 
it is a Fact the people are the credit " full faith and credit of the nation '' we are the money, we create the money, and are being used, abused and harmed by the corporations failing to balance the books and pay what they owe. they are the ones who are failing to file and pay the taxes owed. they are abusing the Social Security Trust account, and gaining double and tripple dipping ( unjust enrichment ) by stealing the credit and stealing the labor of the people to force them to " pay '' again with labor, which of what was already paid ( credited ) and concealed. it is fraud, it is unconscionable and a violation of the Most High Creator 's law. since all " money '' is created from the peoples deposit and signatures on negotiable instruments/securities and or bonds/ who owes who? it is time to stop the fraud and slavery being perpetrated upon the people on earth. it is your job as you are paid by the peoples taxes ( forced imposed contribution =investment ) to protect the consumers ( people ). Trustees are in breach of trust. as the trust was created when they accepted the social security number, and consumer information, which made them trustee, as we are the true beneficiary, and it does not benefit the beneficiary to have to " pay '' again.
Consumer complaint received 2024-10-20
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: Experian Information Solutions Inc. (PA)

Recently, i did an investigation on my credit report and found severel items that are unauthorized and there are to be inaccurate information. Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, Immediately : cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX , This inquiry are not authorized, Please Remove all from my credit report Immediately.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX chase stated theres was a glitch in their system that XXXX out my available balance for my credit card. I should have at least {$700.00} available credit in my card to use, but they wont let me use it. I even asked if they could issue a temporary credit for me to be able to use my card for what I desperately needed it for. I was able to charge {$240.00} on XX/XX/XXXX to XX/XX/XXXX and then on XX/XX/XXXX it just stopped working. When I contacted chase they said there is nothing they could do to assist me and it left me stranded with no money. I dont understand why this issue is happening to me and I believe it is retaliation because I have not paid any interest on the card since it was issued.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On my Transunion credit report it says XXXX XXXX was opened on XX/XX/2019 in the amount of XXXX. I've never opened up this account and have been a victim of identity theft! Ive mailed out an FTC letter to Transunion and it was removed and put back onto my credit report.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (SC)

On XX/XX/XXXX, I received an email notification that I was denied credit and the Principal Reason for the Denial, Termination, or Other Action Taken Concerning Credit was income insufficient to meet credit obligation, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 
1 ) I never applied of credit with XXXX. 
2 ) I have not applied for credit within the past month. 
3 ) When I can 1st call ; I was informed that my information was purchased by Even Financial back in XXXX. And it purchased by XXXX. Apparently, they have used that information to access my credit and have been running credit checks at any given time without my permission. 15 US Code 1692 ( e ) False and misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 15 USC 1611 the US Code that deals with criminal liability for willful and knowing violation of Consumer credit cost disclosure laws ; " states that anyone who gives false or inaccurate information or fails to provide information that is required by this subchapter, or any regulation issued under it can face criminal penalties. When I attempted to speak with their manager XXXX, she was prepared to argue, I attempted to de-escalate the conversation, but she would not allow room for reasoning. Based, on my first conversation with the initial customer service agent XXXX. She stated that they received my information back in XXXX. The email that i received today that I was denied based on my XX/XX/XXXX, credit score which is XXXX. As of XX/XX/XXXX, my credit score is XXXX. According to XXXX advertisements, they help people with all credit scores. So along with their false, deceptive and misleading business practices, I feel that I was also discriminate against because of past credit score that is inaccurate. With exception the student loans that is currently being disputed and I have filed a police report against ; I have GOOD payment history with all those that I have extended credit with.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CO)

I approved XXXX mortgage lenders do pull my credit for a loan. Within 24 hours I now can not stop the phone calls to my new cell number from lenders who the credit bureaus have sold my info to. I went and opted out now but its too late. I has XXXX phone calls to my phone in XXXX hours. XXXX! My phone is still ringing all days from solicitors while I am trying to work. It is completely unacceptable they are allowed to sell my personal data without my consent. I should have had to OPT IN, not out. This has got to be stopped. I have no way to stop the harassment from marketers now.