davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

My wife died of XXXX in XXXX XXXX at XXXX yrs. I was XXXX with a XXXX yr. old daughter. I filed for chapter XXXX bankruptcy. In XXXX XXXX I went back to court in XXXX to have this dismissed. It was reported on XXXX XXXX. I never went through with the bankruptcy. I have been in contact with all XXXX of the bureaus the past couple of years. XXXX of them have removed it from my credit report. Equifax has not. I have good credit with XXXX XXXX, XXXX and XXXX XXXX. I have had XXXX car loans paid in full. I went to buy a new XXXX on XXXX XXXX. There was a promotion with XXXX XXXX for money back plus first XXXX payments paid by XXXX. The manager said I was denied because I had a bankruptcy. I was denied a XXXX card because my credit report reads I had a bankruptcy. I called Equifax again and was told that bankruptcy shows on a credit report for 10 years. I spoke with a supervisor who was nasty and said, : they do n't care : On the XXXX situation I lost out on approximately {$2400.00}. I filled for bankruptcy in a weak time of my life and I should not have to suffer for something I never went through with. The attitude of the Equifax employees just makes it worse. Can someone please help me this this? Thank you in advance
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX * - XX/XX/XXXX - {$18.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$8000.00} XXXX - XXXX XXXX XX/XX/XXXX - {$2500.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2016-09-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any one from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (AL)

My name My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with HSBC Bank in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( XXXX ), I am requesting that XXXX ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX ( XXXX ) days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Sincerely XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BROKER SOLUTIONS, INC. (MD)

I was home when a mortage company calll me.and asked me about refinancial my home and I told him .not right now in a month of soon. new american funding mortage company. 
phone number XXXX his name is XXXX .HE TOLD ME NO PROBLEM.HE WAS CALL ME BACK NEXT .AND WHEN I CHECKED MY CREDIT SCORE HE HAD DID A HARD INQUIRY ON MY CREDIT. i GAVE HIM NO AURHTORIZED TO XXXX.THAT IS FRAUD.PLEASE HELP ME WITH THIS NEW AMERICAN XX/XX/XXXX XX/XX/XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX See something wrong? 
Find out how to dispute a hard inquiry
Consumer complaint received 2017-01-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (OH)

On XXXX XXXX, Midwest Recovery Systems, LLC reported a balance of {$400.00} owed to " XXXX '' on all XXXX bureaus. Says the original creditor opened the account on XXXX XXXX, 2016. I have no knowledge of this account, and I have never once in my life had anything in the amount of {$400.00}. I have never received written or telephone contact from anyone notifying me of this so-called " debt ''. I have been watching my credit like a hawk as I 'm going to be going into the mortgage application phase within the next month. This reporting of this unverified, fraudulent debt has caused my XXXX to go down over XXXX points. Per the federal rules for debt collection, I must be notified with this debt and given the opportunity to dispute or negotiate this debt with a creditor before it is reported as an unpaid debt. I have NEVER been told of this debt. It needs to be removed from my credit reports immediately, and Midwest Recovery Systems, LLC must be held responsible for reporting false information and not following federal debt collection rules.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX FL XXXX To Whom it May Concern : XXXX, TX XXXX XXXX, GA XXXX TransUnion , LLC XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX FL XXXX
Consumer complaint received 2017-01-05
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Immediate Credit Recovery (NC)

I have been trying to pay a debt presumed owed to this collection agency. I have made XXXX to XXXX attempts but to no prevail. I have talked to a receptionist and they keep telling me to leave a message at another department so someone can call me back. I have yet to hear back from anyone to resolve this issue. I 'm trying to get financing on a house for my family. All I want to do is pay what is presumedly owed so this information can be removed from my credit file and credit report.
Consumer complaint received 2017-01-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: D2 Management LLC (OH)

Was called by agent at D2 management, I asked for an address after I was told this was an attempt to collect a debt, was hung up on the first time I asked for an address. The second time I called and asked, was put on hold for 5 minutes while the agent located the address then transferred to a supervisor " XXXX '' who was told I didnt need any information from this company and would not be provided an address. She then told me that she wants me to settle on a debt I am not familiar with. I asked her for documentation on the debt and was advised she could not send me any documentation in regards to this debt. I then advised I can not settle on a debt that I can not verify and disconnected the call.
Consumer complaint received 2017-09-09
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. (CA)

I like many others was a possible victim of the cyber attack on Equifax that has been recently reported on. However, instead of being able to tell me whether my identity has been compromised they vaguely stated that I may have been subject to the hack. They then gave me an enrollment date for a monitoring program at their affiliate. They want me to follow up on their mistake and sign up for a program that will only mitigate the risk of fraud for the first year at no cost. Essentially they are using this error to get more business for themselves.
Consumer complaint received 2017-01-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (MD)

I submitted loss mitigation paperwork to my mortgage company in XX/XX/XXXX. I have n't been able to get a response to this paperwork and it is now XX/XX/XXXX. I am told my single point of contact is XXXX XXXX. I have n't heard from him at all via email which I have sent numerous emails or my calls. I was told a manager sent an email to the processors on XX/XX/XXXX and still no response. I followed up again today and was told thy were sending yet another follow up email and should call back on XX/XX/XXXX. Why is it t taking so long to get a decision. This is the second time Roundpoint has sat on paperwork for my home. I just need a decision made to finalize my loan terms or determine if I can stay in the home. The longer they sit on the paperwork the longer I fall behind. Loan Number XXXX
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

Chase incorrectly entered an account number from a payer 's check deposited into my account on or about XXXX. This wasted two hours of my time, caused the person issuing the check and I grief when Chase wrongfully entered an account number from the XXXX XXXX account. I went to local branch and spoke with private bank gentlman who called the fraud department that had sent me an email saying my account was flagged and that all deposits would be monitored. They told him they could not located the payer 's account number. They have hit my account for below minimum fees and caused me major aggravation. Only after I called myself did Chase allegedly call the issuing bank and claim to rectify the issue. The service person from XXXX at Chase confirmed it was an error on their end. This is disgusting that Chase could n't figure out to call the issuing bank directly. It took them 6 days from deposit to figure out that there was an issue and it turned out to be an issue on their end by entering the wrong account number. The threats to review and hold up my deposits is totally unwarranted as is holding the monies until the XXXX. See the attached email from them. If I had not Chase on my own, after a failed visit to the actual XXXX XXXX branch, and beseeched them to call the issuing bank this would be pending forever. I 'm still not sure if they have fixed this mess. Why would n't they know to call the other bank without my telling them? Utterly disgusting. Bank reform desperately needed.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-03
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. (AL)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.