davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (FL)

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

After reviewing my credit reports I noticed that you are alleging that the following account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks for the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX  Open Date : XXXX Assigned Date XXXX XXXX  Amount on account reported : {$1400.00} As you know it is against the law to report any information not proven accurate. This is a deprivation of my rights and a violation of my privacy, as well. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said account. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MI)

The company is Concora Credit ( Destiny, Milestone etc. ) on XXXX this company put through a payment of {$1000.00} - my entire credit card balance - through an ACH transaction from my checking account. I did not authorize this payment. When I called to see how this happened, they couldn't tell me and basically just said it went through so ther was nothing they could do. The very day that it cleared - XX/XX/year>, I had two fraudulent charges on my account totally almost my entire credit limit - {$910.00} and {$63.00}. I find it very suspicious that someone authorized paying off my card and then right away maxed it out. I believe this credit card company could be involved in this scam. I called them to dispute the charges right away. So far they have not cleared off of my account and they are saying it could take 60 days. They should be investigated.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (GA)

On XX/XX/2020 I contacted the capital accounts llc company as it Related to negative Mark on my XXXX profile. Spoke to representative who advised me of balance and once paid, that on XX/XX/2020, it will be removed from its repository deleting it from my XXXX account. The debt amount of {$350.00} was paid in full. The representative was advised to send letter on company letter head as well. The negative entry still reflects on my credit profile.
Consumer complaint received 2024-10-30
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. (CA)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information/account. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
I demand that the following accounts be validated or DELETED from my TransUnion Credit report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under federal law, you have thirty ( 300 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

Pulled my credit report on XX/XX/XXXX, and saw that XXXX XXXX XXXX placed a collection account on my credit report. I have not received any communication from this company regarding this debt or any opportunities to dispute it. I do believe that the law states that I have the right to be notified of a debt prior to it being placed on my report and given the option to dispute within 30 days of receiving that communication. XXXX XXXX XXXX has not attempted to provide me any written communication regarding this debt. The practice of placing collections on accounts without any notice is illegal and this company should be held responsible for its actions. This collection claims to have been opened in XX/XX/XXXX, yet, this is the only time I have been made aware of this. I also placed a call to Synchrony Bank, the so-called original creditor, to see what this debt is and they were unable to find any account of mine that has not been paid off already.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (DE)

In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the Mr.Cooper Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by Mr. Cooper that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major 3 credit reports as {$0.00} balance. However I discover Mr.Cooper Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called Mr.Cooper at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.
Consumer complaint received 2024-10-30
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. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data XXXX XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint has been submitted to the CFPB to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX block the fraudulent information on my consumer credit report within four business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : A personal credit card account opened with XXXX on XX/XX/XXXX A credit card account opened with XXXX  XXXX on XX/XX/XXXX A personal loan account opened with XXXX  on XXXX XXXX An auto loan opened with XXXX XXXX on XXXX XXXX A personal loan account opened with XXXX  on XX/XX/XXXX. 
a personal loan account opened with self XX/XX/XXXX an account with XXXX opened XX/XX/XXXX a collection account with contract callers opened XX/XX/XXXX a collection account with XXXX  opened XX/XX/XXXX a collection account with ic system opened XX/XX/XXXX These fraudulent accounts have led to several unauthorized hard inquiries and collection items appearing on my FICO credit report. I have attached a copy of my FICO credit report from XXXX that reflects these fraudulent accounts. 

I do not recognize any of the accounts, collections, or hard inquiries listed above, as they were not opened, initiated, or authorized by me. All these items are the result of identity theft and fraud. Enclosed is a copy of my FTC Identity Theft Criminal Complaint ( # XXXX & # XXXX ) as evidence from the Federal Trade Commission confirming that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to request that you block the following fraudulent information from my credit report. Kindly correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be removed right away. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2021-04-09
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that 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 gotten into the hands of the wrong person.
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WLCC (CA)

On XX/XX/XXXX, XXXX XXXX XXXX, Human Resources Department received an unsolicited fax from the collection firm purporting to be an Employee Wage Garnishment and demanding payment. The transmission also contained false electronically signed authorization to garnish. On a quick Internet search it appears that this firm is the subject of Alert Number : XXXX ( XX/XX/XXXX ) published by the State of Washington Department of Financial Institutions warning of unlicensed and unlawful debt collection practices from this firm. 

An online complaint has been filed with the CA Attorney General. We also tried to file an online complaint with the FTC but that site is not functioning as a result of the federal government shutdown.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX I noticed that there were some fraudulent activities on my account. Initially, I was unaware of what happened to the funds that belonged to me, other than the fact that they were missing. However, I later realized these activities resulted in money transfers ( XXXX ) that I sent to various people and businesses being stolen. Not only did someone steal my money, whoever hacked my online account made claims on these transfers, subsequently transferring the refunded money to another Navy Federal account that does not belong to me. I obtained this information on Wednesday XX/XX/XXXX from a Navy Federal Customer Service Agent, whom I spoke to over the phone and conferred this information to me. The customer service agent stated they could not give me any further information, but due to the fact that I have a single Navy Federal account, I filed claims on all of the fraudulent activity via phone, and I was told there would be an investigation. I received a letter stating that I would be held responsible for all of the fraudulent charges, although none of it was my doing. I submitted an appeal letter, which I have not received a response to yet, but I am filing this complaint because this is not the first, nor second time that Navy Federal has allowed fraudulent activity on my account, and I should not be held responsible for someone else 's fraudulent and illegal activity. In essence, I have had {$2600.00} stolen from me, and this has caused great financial strain on me. Now, Navy Federal is trying to hold me accountable for something I did not do instead of pursuing the person ( s ) whose account the stolen funds were transferred to, although they apparently have information regarding that account.
Consumer complaint received 2021-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

I was emailed in XXXX that my forbearance was coming to an end, I called Loan Care, explained my situation and they suggested an extension.

The service member put the request in for me for an extension, and said I Should have a decision within 3-7 business days. I never received a decision. What I got was notification that now I am in Foreclosure! 
Why? How did this happen??
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2019-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

My XXXX XXXX  account was hacked by a woman named XXXX XXXX and unauthorized transactions made for two XXXX XXXX XXXX XXXX. I never knew I opened a XXXX XXXX  account until I was negative {$870.00} in my bank account caused by this XXXX XXXX. I since called my bank and disputed the transaction, received a provisional credit from my bank, called the police to file a police report and contacted XXXX numerous times to take the steps I would need in order to secure this XXXX XXXX account that was opened for me because I decided to subscribe to their XXXX  streaming service. I only want my money back from my bank permanently as I do not know this person in the slightest. I also want her charged for cyber crimes and theft. Here is her full contact information and I also have photo receipts if needed from the XXXX delivery as well as purchase receipts on my XXXX account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX
Consumer complaint received 2019-01-16
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. (CA)

Today I was speaking with a XXXX XXXX XXXX XXXX representative on chat and they asked for my SSN I declined. As I was asking for pricing and possibly cancellation of service, I received an email from my credit monitoring service. XXXX XXXX XXXX XXXXXXXX XXXX.-XXXX  made an inquiry on my credit. This was not authorized. I wasn't even asked. I confronted the representative that I was corresponding with and they said they did not run a check. But I got the notice literally seconds after I declined his inquiry. I also have the chat screenshots, email of the notification and the hard inquiry on my credit. This is beyond UNACCEPTABLE. I need assistance as XXXX XXXX XXXX has only directed me to a fraud page instead of removing the inquiry. It needs to be rectified. I take care of my credit and this will negatively affect me. 

Please help!