davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint today against Experian directly. Additionally, please note that I have just submitted complaint # XXXX regarding a different account which too has incorrect information. That issue had a potential work-around ; however, Experian has been re-aging the dates and statuses on a charged off account I have with XXXX. As stated in my previous complaint, Ive been trying to get pre-approved to purchase a new home here in Florida. Per the suggestion and guidance of my loan officer, I had reached out to settle this debt through XXXX. Once completed, my lender ordered a rapid re-score to update the XXXX account as balance settled for less than full amount. What my lender didnt catch from my credit report that was pulled in XXXX was the date Experian had this account listed as being closed and charged off. Attached is a letter dated back from XX/XX/XXXX indicating this account was closed as of XX/XX/XXXX ; however, on XX/XX/XXXX the credit report from my lender stated the account was charged off and closed in XXXX XXXX. Additionally, when he ordered the re-score on the settlement, Experian had the account reported still with a XXXX charged off date and a new closed date. The closed date should not have changed. I reviewed history on my Experian account online to see if there was any sense that I could make of these dates. The oldest report that I had access to was from XX/XX/XXXX. It showed the status as being closed in XX/XX/XXXX through my Experian report dated XX/XX/XXXX. On my report dated XX/XX/XXXX, the closed date changed again to XX/XX/XXXX. At this point, my account was about to be charged off. On my XX/XX/XXXX Experian report, the account was reflecting as being charged off and the closed date appears to have changed yet again to XX/XX/XXXX and then back to XX/XX/XXXX on my XX/XX/XXXX Experian report. This changed back and forth monthly an additional eight times, either XXXX or XXXX from XX/XX/XXXX through XX/XX/XXXX where the final close date reported was XX/XX/XXXX. Then on my XX/XX/XXXX report, the new closed date became XX/XX/XXXX and on both my Experian credit report and the credit report pulled by my loan officer the closed day was reporting the previously mentioned XX/XX/XXXX date. Again, my credit was pulled XX/XX/XXXX since I had completed the items requested by my lender. Here, the new closed date was XX/XX/XXXX and still had a charged off date showing XX/XX/XXXX. As mentioned in my attached previous complaint, the dates that have been irresponsibly and habitually changed has halted any further ability to move forward since this matter will not allow me to qualify for a manual underwrite.
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX  took funds out of my Bank of America joint checking account they stole XXXX. Dollars and XXXX saying they have a garnishment against me we had just gotten our social Security monies and had some money from insurance payment to fix my house after surviving Hurricane Ian I filed a complaint with Bank of America they released half of the funds but not the insurance or my husband 's social security money they also charged me {$120.00} Legal fee they never served me with anything they hacked my Bank account and Bank of America let them I've had this account over 20 years thought Bank of America was a reliable company I guess I was very wrong
Consumer complaint received 2023-01-12
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. (DE)

when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my XXXX XXXX seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXXXXXX and the credit bureaus but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
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 not my debt, not sure if someone used my name but I've been disputing this account and they are not removing. inaccurate information XXXX XXXX XXXX Open Date : XX/XX/2018
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I XXXX do not owe this collection company any money. I dont have a contract signed. So that means I dont owe. I will be seeing in federal court under fcra law. Delete from my credit report ASAP
Consumer complaint received 2023-01-06
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. (LA)

I asked the credit bureaus to do a verification on my credit reports and they did. They stated everything was accurate. I did a thorough research myself and found some improper inaccurate after they did the thorough investigation. In accordance with the FAIR Credit Reporting Act. These creditors has violated my rights. 15 U.S.C. 1681 section 602 A states, I have a 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. XXXX XXXX Account # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were deleted from XXXX and Transunion but, still appears on my XXXX reports and I would like all my reports to reflect the same by deleting them. I have been waiting for a response from the credit bureaus. Spoke to a Representative at XXXX on XX/XX/2023 and he assured me that these items was deleted and he will be sending me an update credit report. Again I need all 3 credit reports reflecting the same deletions which they are not.
Consumer complaint received 2023-03-14
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 NOT ACCURATE? THIS 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 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-05-19
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: United Shore Financial Services, LLC (WA)

UWM has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at UWM, as well as my response to his note, which confirms the mistakes that UWM made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, UWM completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with UWM now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX XXXX. They continue to say that my banks are rejecting the payments, yet the banks have NO record of UWM even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''
Consumer complaint received 2021-05-19
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. (MI)

Two of my family members approached me that they were being harassed by midland debt collection. I have also been consistent called and asked for them to quit calling so much. It was to the point where they would call me and my family members 3-6 times a day.
Consumer complaint received 2021-05-19
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: INTERCONTINENTAL CAPITAL GROUP (NY)

On XX/XX/2021, I received an alert message from XXXX  regarding a mortgage inquiry that I did not solicit. I called the Credit Bureaus and was advised to contact the company that placed the hard inquiry on my credit report and open a dispute. I called XXXX XXXX XXXX XXXX and was told that they outsource their platform for credit checks to third parties, and the name of the person that pull-up my credit without my consent is XXXX XXXX  from Intercontinental Capital Group located in XXXX, NY. 
I spoke with the Head of the Credit Dept. XXXX XXXX and after he investigated my case he determined that XXXX XXXX did pull-up my credit on behalf of my ex-employer XXXX XXXX from XXXX XXXX XXXX. 
I have a huge concern that there may be a scheme to defraud or willful misrepresentation of a future act.
Consumer complaint received 2023-05-28
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. (PA)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : Fill in the accounts you want to be disputed, and be sure to add the account numbers with each account. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-01-12
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)

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Transunion. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX  XXXX Date Opened XX/XX/2018 Balance {$0.00}
Consumer complaint received 2023-01-12
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. (CA)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (NC)

In accordance with the fair Credit Reporting Act this creditors have violated my rights and 15 USC 16181 section 602 states i have the right to privacy 15 USC 1681 section 604 a section 2 it also state consumers reporting agency can not furnish an account without my written instructions under 15 USC 1666 a creditor may not treat a payment on credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One XXXX XXXX Capital Venture. Account has a credit balance {$58.00} for past six ( 6 ) month and Capital refused to send money to us. We spoke with several representatives and not giving us any answer. We had another account with Capital and the funds were sent. 
We coming to you for advice and what can we do.
Consumer complaint received 2023-03-28
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. (MD)

DEPT OF EDXXXX ACCT XXXX XXXX DEPT OF EDXXXX ACCT # XXXX DEPT OF EDXXXX ACCT # XXXX XXXXXXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX 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. Convergent Account # 1234 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.

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 2024-09-10
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-03-03
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. (SC)

Since XX/XX/XXXX I have been disputing with the bureaus inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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 ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I am submitting this CFPB Complaint to dispute and request the removal of the outdated accounts from my credit file, which has been negatively impacting my credit history. I have reviewed my credit report and have identified the following inaccurate and outdated accounts : Account Name : XXXXXXXX XXXX  XXXX Account XXXX : XXXX Balance : {$0.00} Account Name XXXX XXXXXXXX  Account Number : XXXX Balance : {$0.00} XXXX wish to bring to the Credit Bureaus attention that these accounts are outdated and no longer applicable to my current financial status. I have diligently managed my credit obligations, and the outdated accounts do not reflect my current creditworthiness. Its presence on my credit file inaccurately represents my credit history, which could potentially hinder my ability to obtain favorable credit terms, loans, housing, and employment opportunities. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information in my credit report. The FCRA also grants me the right to dispute any inaccurate or outdated information and request its removal.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Ive just received my credit report and noticed unauthorized items that shouldnt reporting to my credit profile and in accordance to the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent name XXXX, XXXX, XXXX has violated my rights 15 USC 1681 602 A states I have a right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent