davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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. (CA)

I feel puzzled right now coz I have no idea what is going on over there at the CFPB. Ive submitted this same complaint twice already but you still claim Im not the one submitting it. This to me is just foolish. So Im submitting it again hopefully for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the public records listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the public records without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these public records blocked/removed from my credit file per FCRA. 

XXXX  XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I've tried several times to update my personal information on my experian credit file, through mail. They never responded. I tried updating through their website and it will not allow me to. I do not want my mail going to old addresses, ecspecially parcel with personal information or credit card offers. Im worried about identity theft now since my mothers info was compromised.
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Recovery and Collections, Inc. (NV)

Myself and XXXX children were evictednfrom our home during covid due to nonpayment. I was advised by XXXX XXXX to complete the XXXX  application and turn it into my landlord. I filled out the paperwork XXXX times and every time, the landlord told me I did not qualify for the program. At the time, I was unaware of the exact requirements and was very ignorant of the process, due to never having experienced such a situation before. XXXX months later I was approached by the landlord with a XXXX hour eviction notice, stating that I failed to cooperate with assistance. Due to the unethical practices of the landlord, I know have an eviction and collection on my credit which is hindering me from obtaining adaquate for myself and children. So far, this matters has fell on deaf ears and I do not know where to turn. There is a current investigation open on the XXXX XXXX in regards to that high number of evictions they had during the pandemic. I really hope justice prevails because I know that my family is not the only family that has endured extra suffering due to the practices of the XXXX XXXX and it's employees.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

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 2021-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCB Management Services Inc. (GA)

An Affidavit of truth, Cease and Desist notice and a bill of particulars was received by NCB Management Services addressed to XXXX XXXX by certified mail on XX/XX/2021, these letters were in response to NCB Management Services numerous abusive emails being sent to my personal email from the past several months in which I never authorize NCB to communicate with. These deceptive and abuse emails were demanding {$20000.00} from me and at one time it was lowered to {$4000.00}, which appears that this company wants any amount of money I can give to them. I consider that a form of extortion. This company has parked this alleged debt on my credit reports without my knowledge of this debt. XXXX XXXX or NCB Management Services has NEVER verified a contract between myself and NCB for any amount of money nor any ledgers or accounting for this alleged debt has been presented to me. I have received more than 7 abusive emails, and as a consumer I discovered numerous violations on these emails. XXXX XXXX has not responded to my certified mail nor have they paid the bill of particulars or removed this alleged debt from my credit reports. Surprisingly I haven't received any more emails since NCB has received my Cease and Desist but they have not fulfilled the completed request to protect my privacy or stopped violating my consumer rights. This is my last effort to resolve before litigation.
Consumer complaint received 2018-06-27
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GREAT LAKES ()

Before entering the military, I, XXXX XXXX XXXX, attended XXXX XXXX XXXX in XXXX XXXX, Texas for 1-year. During that year I took out federal/student loan to pay for books and classes. After this school ended, prior to enlisting, me and my mother XXXX XXXX XXXX had called the company by the name of Great Lakes to set up a loan forgiveness program. We accomplished the plan of deferment of 1-year/ 12 months. After that period, we were to begin payments. After the year passed, no notifications were made of the amount that should be taken out. It wasn't until they threaten to garnish my wages and send the amounts into collection without my awareness. I wasn't able to contact the company via email without response. Neither could I call by cell phone because I have an overseas plan. After speaking with a legal representative, I was encouraged to send this email, and see how I could paid my debt.
Consumer complaint received 2024-10-22
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. (TX)

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. 
ACCOUNTS : XXXX - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-27
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. (TX)

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to contest the presence of incorrect and faulty accounts on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or incomplete information on my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. The accounts I am disputing are : XXXX XXXX XXXX Balance Owed : {$800.00} DEPTEDXXXX XXXX Balance Owed : {$29000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX Balance Owed : {$5800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9900.00} CXXXX XXXX XXXXXXXX Balance Owed : {$820.00}. The information in these accounts is incorrect and does not accurately represent my credit history. I request that you investigate this matter and correct any inaccuracies found. The FCRA 's section 611 mandates credit bureaus to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a letter in the mail from Bank of America indicating that an account had been opened in my name along with a debit card to activate. I am a victim of identity theft. I tried to resolve this with 3 different BOA reps on XX/XX/XXXX via XXXX. They make it virtually impossible to get a human being on the line. I was told by the first woman that an application had been filed on XXXX using my name, SS # and birth date. She appeared to want to help but put me on hold twice and then disconnected. Same thing happened with the second man I finally spoke to. Put me on hold after taking all my info and then disconnected. Drove to a local BOA branch and no human works there - only kiosks that have you push a red button and wait for a clock to count down to have someone appear on the screen except all that happened was the clock started over. Left in disgust. Called again and spoke to man # 3 - same drill. Asked him to take my home number down in case we got disconnected which of course we did. Now 2 days later still have not had a call back. Thoroughly unacceptable and I want resolution of this matter. I am attaching what I received and blacked out my name, fraudulent account number, address, etc. per the instruction on this site.
Consumer complaint received 2023-03-27
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00}
Consumer complaint received 2022-01-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the INQUIRIES. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2023-03-27
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$80.00}
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2018-06-14
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: Fidelity National Information Services, Inc. (FNIS) (TX)

ChexSystems has been repeatedly contacted. I have sent in every piece of documentation, proof, contacted them by phone, contacted them by mail, contacted them online. Without resolution. I am a victim of ID Theft. I am requesting them to block the incorrectly reported inquiries. I have sent in a FTC Affidavit. Per the LAW this goes directly to my local police department. This was Sent to XXXX PD. They are aware of this document and have taken the report number down. ChexSystems still continues to deny my identity theft claims, and simply states they do not have to block any information unless i provide them a law enforcement document that is " signed '' This FTC Report is signed. I will provide the additional detail of what i have discovered on my ChexSystems report. First of all ChexSystems has wrong address ( s ) on file. XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This is just to name a few. They also have three names listed XXXX XXXX, XXXX XXXX XXXX. These two names are not my correct names i want these blocked and deleted as well. I want the addresses listed above taken care of as well. This has gone on long enough, there inquiries are not permissible. I did not grant any bank any permission to open or attempt to open checking accounts. These applications were all submitted online as i am starting to figure out from the companies themselves. Not only that these are DUPLICATING. With a security freeze on file legally no one should be able to check my ChexSystems. YET Chexsystems is abusing FCRA and allowing inquiries to go through. I want all of these inquiries blocked. 

These inquiries include multiple inquiries from XXXX XXXX, XXXX, XXXX, XXXX Texas, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Not only are these Duplicated they are almost triple and quadruple. These are all fraudulent. I did not grant permission to any of these institutions to apply for checking and or savings accounts or any other product for that matter. My wallet was stolen and my identity was used fraudulently.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo bought my loan from XXXX XXXX XXXXXXXX and unlawfully released a payment to better mortgage that was not permitted by me XXXXXXXX XXXX has waived any loan transfer fee in written communication and Wells Fargo took it on itself to release my mortgage payment to better and thereby defaulting my payment. 

On calling several times and asking to speak with escalations team I have been unsuccessful and hence need legal intervention.They have hung up on me and the escalation manager never returned my calls over a week now
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am requesting that all of my personal credit information According to consumer law 15 USC 1681 a, and 15USC 6802 by law none of my personal, address, financial, credit, information shouldnt be reported by third party companies, Congress
Consumer complaint received 2021-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over XXXX for more than 10 years. There was 1 late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with XXXX representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.
Consumer complaint received 2023-03-27
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. (LA)

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.
Consumer complaint received 2024-10-22
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. (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 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 2019-03-19
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. (TX)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX  - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.