davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IL)

I am writing to formally dispute the erroneous information listed on my credit report regarding two late payments with XXXX  XXXX and unauthorized hard inquiries made by XXXX XXXX, Navy Federal, Destiny, and Informative. These inaccuracies are clear violations of my rights under federal law, and I demand immediate correction resulting in the immediate removal from my credit report Late Payments XXXX  XXXX : According to my records, I did not miss any payments on my account. The two late payments reported are false and must be removed from my credit report immediately. I am invoking my rights under 15 USC 1581, which guarantees my right to privacy and accuracy in the reporting of my personal financial information.

Hard Inquiries XXXX XXXX Navy Federal, XXXX, and XXXX  : These inquiries were made without my authorization or knowledge. I suspect this is a res
ult of a data breach, as outlined under the Fair Credit Reporting Act ( FCRA ) section 605B which requires the immediate removal of any fraudulent or inaccurate information upon notice.

Violation of 15 USC 1581 As stated under 15 USC 1581, my right to privacy has been violated by the unauthorized access to my personal credit file without my explicit consent. These inquiries must be removed immediately to avoid further legal consequences.

In light of these legal protections, I demand that : 1. The two late payments with XXXX XXXX be deleted from my credit report immediately. 
2. The hard inquiries from XXXX XXXX, Navy Federal, XXXX, and XXXX  be removed from my credit file without delay.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : 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 XXXXXXXX Late Payment XXXX  XXXX Personal Info : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX
Consumer complaint received 2024-09-23
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)

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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXX XXXX 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 2024-10-12
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. (IL)

PLEASE REMOVE ALL ACCOUNTS. I AM A VICTIM OF XXXX XXXX  WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PLEASE DELETE ALL THE FOLLOWING OVERLND BOND {$24000.00}, XXXX {$15000.00}, XXXX {$0.00}, XXXX {$0.00}, XXXX {$8900.00}, XXXX XXXX {$0.00}, XXXX XXXX, XXXX {$620.00}, XXXX XXXX {$570.00}, XXXX XXXX {$3100.00}
Consumer complaint received 2024-09-30
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists These accounts were open fraudulently as I was in XXXX XXXX at the time these accounts were open I was XXXX XXXX XXXXXXXX I was XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and put in a XXXX which I cant leave until round or about XX/XX/XXXX I will upload proof of that as well
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently reviewed credit report and noticed some unknown addresses and accounts. Please see attached file of my FTC report. please remove addresses : XXXX XXXX XXXX, XXXX Ga XXXX & XXXX XXXX XXXX, XXXX Georgia XXXX.
Consumer complaint received 2024-09-23
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. (NC)

Ive recently checked my credit report and notice inaccurate information. 

Subject : Cease and Desist Unauthorized Collection Activities and Removal from Credit Report Dear XXXX XXXX XXXX, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. It has come to my attention that XXXX XXXX XXXX has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing XXXX XXXX XXXX from my credit report. Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with XXXX XXXX XXXX, and I am under no legal obligation to do so. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA. I demand that XXXX XXXX XXXX cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law. I expect your prompt attention to this matter.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (AL)

The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Consumer XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Consumer XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Consumer Portfolio Service Inquired on XX/XX/XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

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 : Account : XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXXXXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (OK)

I obtained XXXX XXXX services in XXXX XXXX against the advice of nearly everyone I knew. In XXXX XXXX, my fianc and I bought a house together, so I cancelled my contract with XXXX XXXX. Given I had a two year contract, I knew I 'd have to pay a penalty for canceling early. Given I was contractually bound to XXXX for two years, I paid the cancellation fee. XXXX XXXX sent me prepaid boxes in which to send back the equipment they had rented me. I followed the instructions exactly and left the equipment on my porch to be picked up as was instructed. It was picked up. Sometime after that, I started receiving collections calls related to not paying for the equipment. I followed up with XXXX and they refused to speak to me since the account had already been turned over to collections. Say what? After arguing with XXXX and the collection agency for several months, my wife finally paid it so that it would n't go against our credit. We went to apply for a mortgage for a new house today and guess what! My credit is XXXX - and that XXXX fee that for equipment that I RETURNED and eventually PAID FOR just to get them to leave me alone is lowering my credit by nearly XXXX points!! Given we are applying for a jumbo loan, this is catastrophic because now we no longer qualify!. I explained to my mortgage officer what happened and she mentioned to me that this is common with XXXX and XXXX - that after you return the equipment they continue to hound you for fees you do not owe. She suggested that I file a complaint through consumer finance.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

This information is being reported on my credit report. I have no knowledge of this company nor have I ever done business with Columbia DEBT RECOVERY. They are reporting that I owe them a balance of {$8600.00} and last reported this information on my report this month XX/XX/XXXX. I have called and asked them to remove this from my credit report, as I have never done business with them. I have asked to be sent copies of the original contract and documents signed with their company showing that I have a debt or assumed credit with them as of XX/XX/XXXX. Every time I have called and spoke with someone at this company and ask them to remove and request the documents, they are uncooperative and will not provide these original documents showing I have done business with them with my signature. According to the Fair Credit Reporting act states that inaccuracies must be deleted. It is the consumer agencies responsibility to remove the inaccurate information and is illegal to continue to report this. This is affecting me obtaining credit where needed and correcting my personal credit report of the inaccuracies being reported as I am a victim of identity theft. I demand that this inaccurate information be deleted and removed from all my credit and consumer files.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To the Consumer Financial Protection Bureau, I have a problem with Trans Union and I would like some help. Today if I check my credit report, there is a hold or lock on my credit report that is exempting me from applying for XXXX credit card. Every single time I try to go to TransUnions website with the intention of trying to solve this matter, the blocked message will appear no matter the browser or device used. I have not been able to find any solution by seeking assistance from TransUnion customer care, and therefore I leave for the CFBP to try and sort this out for me. I kindly humbly request you urgently to instruct all freezes, blocks or holds to be lifted from my TransUnion report to enable I go on with my credit applications unhindered.
Consumer complaint received 2023-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

In XXXX I submitted a packet to Amerisave Mortgage explaining that we had opened a new business and would not be able to make the mortgage payment. I have never received a response from them unless I called to find the status of the request for mortgage assistance. Since XXXX Amerisave mortgage has had one excuse after another about missing documents closing the request on multiple occasions even though the documents in question were either faxed, emailed or sent through the portal. They claim to never have received them event though I had gotten receipts that the fax had been received. I was assigned an agent to talk to directly but was told the customer is never allowed to talk to them directly that every correspondence had to go through the loss mitigation portal. As of XX/XX/2023 I have emailed the last 2 months bank statements, profit loss statement and the last month payroll stubs to Amerisave Mortgage. In XXXX they said the original packet that I filled out in XXXX was damaged and could not be used and I had to submit a new one. I've read articles that Amerisave does this to mortgages that have equity built up as it's more profitable for them to get the mortgage go into foreclosure.
Consumer complaint received 2024-09-23
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)

XX/XX/XXXX I WAS requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. ''
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I contacted Midland Credit Management through their dispute option on their website in early XX/XX/XXXX. Midland Credit has re-aged a debt and is falsely reporting it. My last payment made to XXXXXXXX XXXX was XXXX ( This is stated in their own Important Disclosure Information ) XXXX charged off the account on XXXX. XXXX bought the debt on XXXX. They are using this date to age the account which is illegal. They refused to remove the account from my credit. Additionally, in this reply dated XX/XX/XXXX was a default judgement in the state of Texas dated XX/XX/XXXX. I had moved back to California in XX/XX/XXXX. Therefore, I could not be served. Nor was this the correct state to even bring this lawsuit. I had no knowledge of this as well as the fact that they were past the statute of limitations of 4 years in Texas. This would be the case in California as well. The re-aging of the debt allowed them to file this fraudulent law suit. The debt originated in California and last payment was made while living in California. The initial illegal act of re-aging this debt upon acquiring it has resulted in all of the illegal and damaging effects to my credit score and ability to purchase with credit. 
Note : My last name was XXXX on my XXXX  account.