davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (AZ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-06-06
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: Self Financial Inc. (IL)

Dear, XXXX/Atlantic Capital B I received a copy of my credit report and I have found the following items listed below to be in error. XXXX Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave either XXXX OR XXXXAtlantic Capital B any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b . Self/Atlantic Capital BXXXX have caused XXXX XXXX and XXXX due to the abusive and unfair practices. Both XXXXAtlantic Capital B , should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants, Inc. has aggressively continued to report unfavourable claims on my credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (WA)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My Mortgage has recently been taken over by Ocwen Loan Services Company and I have been getting letters of extortion from them requiring me to purchase additional insurance for my town home, of which I do not purchase from my past lender. I have not been able to get any evidence from Ocwen, in my original contract agreement that requires/enable such " new '' additional insurance other than the insurance that I 've always had with past 2 lenders.
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK (CA)

This organization is in clear and blatant violation of FDCA. The person who interviewed me, XXXX XXXX, told me that he is an attorney and represented legal counsel and they were going to sue me. Additionally, he did not disclose the mini miranda warning to me upon me calling him with regards to the collect of the debt and said that there would be a default judgement against me that I would be forced to pay. Additionally, there was no written correspondence regarding this debt.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (TX)

I received a letter from XXXX that the following item has been deleted from my credit report and bylaw under the Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to TransUnion : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :
Consumer complaint received 2023-06-06
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)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (SC)

To whom this may concern, Your company said I allegedly owe you money. I willPAYunder one condition if you can provide : 1.Validation of the debt -- that is the actual accounting.

2.Verification of a signed Invoice.

3.A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail 'so that there is an independent '' witness to it having been delivered. '' Kind Regards, XXXX XXXX
Consumer complaint received 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CT)

Nelnet had placed me on the wrong repayment plan in 2012 after calling to discuss that it did n't make sense for me to be on a 10 yr repayment when I would qualify for the Public Service Loan Forgiveness after making 120 payments. They switched me to a 25yr standard plan and told me that I was all set with my plan to qualify for the PSLF. I now have found out that they lied and that plan does n't qualify for the PSLF. I was told none of my payments counted towards the 120. I have made more than {$19000.00} in payments. They tell me there is nothing they can do to change this due to their records of the change made in 2012 not mentioning the PSLF. So just because their records are bad and they do n't save their recordings of the conversation, I am out XXXX dollars and told I need to start from square one again making my payments. ONBUDSMAN was no help and dept. of ed was n't either. Please help!!!! 
Thank you! 
XXXX XXXX
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

ERC continues to send notices of a XXXX debt we do n't owe ( to someone with a different account # and same last name -- but who does not live here ) even after we sent them proof from XXXX that our last bill was paid years ago.
Consumer complaint received 2023-06-06
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. (NY)

I am submitting this CFPB Complaint to request that Experian correct the information they report on the following accounts are inaccurate and is different compared to the other Credit Bureaus. Experian is reporting a different information from other bureaus. These accounts are only reporting as late in Experian Credit bureau. If Experian 's record keeping had been accurate, these account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need the following accounts corrected immediately : XXXXXXXX XXXX XXXX XXXX Balance : {$94000.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX Balance : {$2300.00}. As per the FCRA, credit reporting must be 100 % accurate. Therefore, I urge Experian to rectify this error by correcting the information they report on these accounts from my credit report as soon as possible to avoid any negative impact on my creditworthiness.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States that I have a right to privacy and that the entities furnishing my information are required to provide accurate and complete information to credit reporting agencies.

15 U.S.C 1681 section 604 A Section 2. States a consumer reporting agency can not furnish an account with my written instructions
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items needs to be removed : XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: S&S Physician Services, Inc. (TX)

New cell phone number was assigned to me over 1 year ago and then shortly thereafter, Harvest-Inc. Medical Debt Collectors have contacted me almost daily using phone numbers XXXX ; XXXX ; XXXX ; XXXX in attempt to collect an apparent debt from another person. When I called them over a year ago and told them this was an assumed phone number from a previous owner and they told me who the debt was for, I informed them that person no longer had this phone number and did not reside here. Despite telling them this and also complaining to Do NOT Call Federal and State agencies, they continue to offend almost on a DAILY basis. My cell phone number filed with the DO NOT CALL agencies and which Harvest-Inc continues to call is XXXX. I have also sent Harvest-Inc. a letter form developed by the XXXX XXXX XXXX titled : Request for Debt Collectors to Stop Contacting You that gives them formal notice in writing under the Fair Debt Collection Practices Act to cease contacting me-EVEN though they were informed OVER 1 YEAR AGO they are contacting the wrong individual and that I am registered on the DO NOT CALL list, yet they have offended by continuing to contact me almost daily for OVER 1 year despite telling them to cease all contact OVER 1 YEAR AGO.
Consumer complaint received 2023-06-06
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX : {$440.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BoA sent me a credit card I didnt ask for telling me to activate it. Sent, according to the letter, on XX/XX/2023. Credit limit {$7500.00}. I ignored it. 

Now they are sending notices changing the terms of our agreement. Sent XX/XX/XXXX but the letter is backdated to XX/XX/2023. Apparently ignoring the card didnt stop them from signing me up. 

Im concerned about my XXXX with too many cards. Im equally concerned their attempts might set me up for fraud.

I want in on the settlement. Im fed up with how broken US businesses are.
Consumer complaint received 2023-06-06
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. (NJ)

XXXX, XXXX, and Experian failed to comply with the rules under 15 U.S. Code ss 1681c-2 Except as otherwise provided in this section, 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. 

I submitted an ftc report as well as a letter disputing the fraudulent items thats on my consumer report, as well as my id, bank statement, and utility bill. I demand that the following items are deleted and blocked immediately : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2023-06-06
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

The entire series of events is completely bizarre. First I was informed by my parents that a representative from Wells Fargo called their home requesting personal information about my account including my email. I immediately called Wells Fargo to confirm if they had in fact made this call because it was suspicious, as only my personal cell phone is on my account. Once they confirmed that it was a phishing scam, and no such call was made by their reps I was told my account was fine. About 1 hour later I received an email on X/X/2017 stating my account was being closed and that I would not receive the funds in the account until XXXX. The entire series of events was absurd and confusing because I had used the card earlier that day, and spoken with Wells Fargo in regards to the phishing scam. I now have no access to my funds and I currently have no other bank accounts. All of my money is in Wells Fargo and they are holding my money hostage. No reason was given for closing the account, it was stated that they were ending the business relationship. I would like access to my funds immediately and Wells Fargo to be held accountable.
Consumer complaint received 2016-04-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (KS)

My lease with Chrysler Capital was paid off on XXXX XXXX XXXX. They continue to display my account as past due. I have called several times to verify status and am told to wait a little longer. On XXXX XXXX XXXX at XXXX XXXX, I spoke with XXXX who advised there was a payment pending, she transferred me to XXXX, who at XXXX XXXX told me that my lease was coded as purchased and to be closed, that there were no monies due, and that it should close before XXXX XXXX XXXX. I called again on XXXX XXXX XXXX at XXXX XXXX and spoke to XXXX who advised me that the account is marked as {$0.00} and pending close, and that it *should not* report to any credit bureau as it should close out. At this point I have no faith that Chrysler Capital will keep their word. I do not want any blemish on my credit as result of their incompetency!