davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-26
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. (OH)

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XXXX, I identified a billing error in the amount of {$10000.00} on this account and promptly sent a formal dispute letter to XXXX via certified mail. I have documentation confirming the delivery of this notice. According to the Truth in Lending Act ( TILA ), XXXX was required to acknowledge my dispute and cease reporting the disputed amount to credit bureaus while conducting their investigation. However, they have failed to comply with these requirements. Specifically : 1. XXXX has not acknowledged my dispute. 
2. They continue to report the disputed amount to credit bureaus. 

These actions are in direct violation of TILA regulations.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My wife and I hired a attorney back in 2017 to get rid of the timeshare XXXX. Every time we go to make a XXXX purchase or anything, this account keeps popping up! Our lawyer notified us that we no longer have anything to do with the timeshare cause we were lied to during the timeshare process. Yet on experian it is still showing late and negative on our credit report. We also have 3 other accounts on our credit report that are in good standing and closed with them, yet this 1 account is showing late and negative that is now affecting our credit and stopping us from moving on with another purchase we have been trying to do. NO XXXX accounts should be showing as negative or late or delinquent. This account shouldn't even be on our credit anymore showing we owe ANY money!!! We paid a attorney for a reason to get rid of these and these are affecting us every time a purchase is trying to be made. XXXX is reporting late and delinquent when it isn't on a account that's like XXXX dollars! This account needs to be removed from our credit.
Consumer complaint received 2024-07-26
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. (NY)

XXXX XXXX XXXX from XXXX XXXX XXXX XXXX - {$1100.00} date opened XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX  - {$1400.00} date opened XX/XX/XXXX XXXX XXXX XXXX from the XXXX XXXX XXXXXXXX {$1100.00} date opened XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX  - {$570.00} date opened XXXX, XXXX XXXX XXXX, XXXX XXXX for {$460.00} date opened XXXX XXXX XXXX XXXX for $ XXXX date opened XXXX, XXXX XXXX XXXX XXXXXXXX for {$530.00} date opened XXXX, XXXX XXXX XXXXXXXX XXXX  for {$860.00} date opened XXXX, XXXX XXXXXXXX XXXX XXXX  fro {$650.00} date opened XXXX XXXX. 

all of these and maybe more. I have never owned a credit card, only used a debit card, yet I have all these accounts open or in collection. The phone number on the accounts is not mine.
Consumer complaint received 2024-07-26
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. (FL)

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.

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 2024-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I received my property tax bill for the fiscal year beginning XX/XX/year>. My mortgage includes an escrow account for XXXX XXXX  to pay the property tax. The due date for the property tax was XX/XX/year>. The amount due is {$1200.00}. Flagstar Bank has not made a payment to my property tax as of XX/XX/year>.
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I am filing a complaint regarding a collection account on my credit report for an alleged debt that I do not recognize and should not be held responsible for. Can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours. This account is causing unnecessary damage to my credit, and I am disputing its legitimacy.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Ive just obtained my credit report and noticed the following error ( s ). The Health Insurance Portability and Accountability Act of 1996, ( HIPAA ) sections 261-264 require the secretary of HHS to publicize standards for electronic exchange or 43 US code 1320D 9 note. I have no knowledge of XXXX XXXX Account # : XXXX, showing a balance of {$590.00}. 

I NEVER signed a contract with this company and have no knowledge of either company, therefor it is a violation of my FCRA rights. I would like this DELETED from my credit report as soon as possible.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

While reviewing my most recent credit report ( s ), I noticed fraudulent inquiries that I do not notice nor did I authorize anyone to pull my credit report. The inquiries are as follows below PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES : XXXX : XXXX XXXX XXXX ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX ( XXXX ) EQUIFAX : XXXX XXXX ( XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX  ( XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX BANK ( XXXX ) EQUIFAX : XXXX XXXX ( XXXX ) EQUIFAX : XXXX XXXX BANK ( XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXXXXXX ) EQUIFAX : XXXX ( XXXX ) EQUIFAX : XXXX XXXXXXXX XXXX  ( XXXX ) XXXX : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ) Please validate information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681b ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-09-04
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. (NC)

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 XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX 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 2023-06-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MIDFIRST BANK (GA)

This debt collector, XXXX XXXX XXXX XXXX XXXX, is attempting to ( 1 ) steal excess proceeds following the foreclosure sale of my primary residence as attorneys fees, ( 2 ) erroneously pay alleged personal debts to entities they do not represent, and ( 3 ) require a waiver of my legal rights to receive the funds. The firm acted as counsel for the mortgage holder in the foreclosure. They failed to respond to numerous communications seeking documentation on the sale, an accounting of the proceeds, including how the amount due mortgage holder. Furthermore, among the funds to be collected by the mortgage holder, were {$4000.00} in foreclosure attorneys fees. Yet, the firm attempts to deduct an additional $ XXXX dollars in attorneys from the proceeds due borrower. Additionally, the firm seeks to pay an alleged personal debt out of the proceeds which it lacks the right to do. In short, of the ~ {$17000.00} it states is the amount of excess funds, this debt collector claims it and other entities that it does not represent are due ~ {$13000.00}. Finally, the firm is forcing me to sign a Hold Harmless Agreement which seeks to waive my rights to challenge the calculations or seek other judicial relief in order to receive the funds.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX , and a copy of the 1099-C form. Navy Federal Credit Union, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. As of XX/XX/XXXX, Navy Federal Credit Union has been in response to this complaint as of XX/XX/XXXX. The time to conduct a reasonable reinvestigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of XXXX XXXX XXXX and Navy Federal Credit Union. Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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.

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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have contacted Equifax XXXX weeks ago about removing the statement " Fraud Victim ( associated with trade ) '' that is on my file where its listed under CREDIT FILE STATUS. I have attached a copy of exactly what I am talking about. Equifax told me XXXX weeks they have removed but yet and still it is listed there. I want it removed. I believe this is the reason nobody can pull my credit reports, XXXX can get a copy of my credit report to get my fico score or anybody else that need to see my credit report. A mortgage who i'm working with can't get a copy of my Equifax report either. I am begging you to please remove that statement from my credit file immediately as I truly believe that statment is causing me issues at the moment. I have attached a copy of my social security card, Passport for identification purposes and a cpy of my current utility bill with my current address and as I stated earlier a copy of what I am seeing on my credit file and it is highlighted in yellow for your review. I need that removed.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (FL)

" 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 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

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 : LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX