davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XX/XX/XXXXTrafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc. (MO)

This is Unifin, a debt collector. We have an important message regarding your XXXX balance {$280.00}. If this is a mistake, report : XXXX XXXX XXXX  Reference # : XXXX Call us at XXXX or Self-service : XXXX XXXX XXXX Reply STOP to opt-out I keep getting these texts.. I have never had a XXXX account. Any time I ask for info they hang up on me.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of an incorrect phone number that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX XXXX. 
Social Security Number ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number to be Removed : ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX. 

**Attachments : ** - Copy of ID - Proof of Address ---
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have become a victim of identity theft and have reported the incident. It is crucial to address this matter promptly, as it has negatively affected my financial well-being and personal reputation. I kindly request your assistance in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent issue is greatly appreciated.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I am filing this complaint due to the ongoing and unlawful reporting practices by XXXX XXXX, XXXX XXXX XXXX, and Experian. Despite multiple disputes, including certified letters and an FTC Identity Theft Report, both XXXX and Experian continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Violations : Failure to Provide Proper Validation ( XXXX XXXX and XXXX XXXX XXXX ) : I have repeatedly requested proper validation for the accounts in question, including the original contracts with wet signatures or digital proof of contract ( IP addresses and metadata ) if electronically signed. Instead, XXXX XXXX XXXX and XXXX XXXX have provided irrelevant documents like bill statements and terms and conditions, which do not satisfy the requirements of proper validation under FCRA 15 U.S.C. 1681i and FDCPA 15 U.S.C. 1692g ( b ). 
They have also failed to show legitimate proof of my authorization for these accounts, making their continued reporting illegal. 
Continuous Reporting and Re-Aging ( XXXX XXXX, XXXX, and Experian ) : XXXX XXXX  and XXXX continue to report these accounts as " Charge-Off '' ( CO ) on a monthly basis, despite being charged off years ago. This constitutes re-aging, a violation of FCRA 15 U.S.C. 1681c ( a ) ( 4 ). 
Experian, despite being notified of the disputes, has failed to stop reporting this inaccurate information and continues to reflect the false reporting by XXXX and XXXX. This is in violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to cease reporting inaccurate information upon notification of a dispute. 
Failure to Cease Reporting After Dispute ( Experian and XXXX ) : Despite my multiple disputes, Experian has continued to report these accounts without conducting a reasonable investigation as mandated by 15 U.S.C. 1681i. Simply " verifying '' with the creditor without obtaining proper evidence does not meet the legal standard. 
XXXX XXXX and XXXX have also failed to comply with 15 U.S.C. 1681s-2 ( b ) by continuing to report these accounts without proper validation, despite being informed of the dispute.

Harm and Consequences : These unlawful practices have caused severe harm to my credit score, preventing me from securing necessary housing and loans. The continued re-aging and false reporting have also caused significant emotional distress and financial harm, as I am unable to move forward with important life decisions for myself and my family. 


Thank you for your attention to this serious issue.
Consumer complaint received 2024-09-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: QC HOLDINGS INC (MO)

I submitted a cease and desist notice to Lendnation via email on XX/XX/scrub>XXXX XXXX  requesting that they cease contacting me and the people i listed as rederences via telephone. Since the cease and desist was submitted in writing I have been contacted via telephone regarding my debt. The collector did not notify me that they were calling in an attempt to collect a debt which is a violation of the FDCPA. I notified the collector that I had submitted a cease and desist and they said they were not aware of it. I asked them to review their records and update my file. I have attached the email I sent to lendnation and the phone log showing their violation of the crash and desist.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I am filing this complaint due to the ongoing and unlawful reporting practices by XXXX XXXX, XXXX XXXX XXXX, and Experian. Despite multiple disputes, including certified letters and an FTC Identity Theft Report, both Resurgent/LVNV and Experian continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Violations : Failure to Provide Proper Validation ( XXXX XXXX and XXXX XXXX XXXX ) : I have repeatedly requested proper validation for the accounts in question, including the original contracts with wet signatures or digital proof of contract ( IP addresses and metadata ) if electronically signed. Instead, XXXX XXXX XXXX and XXXX XXXX  have provided irrelevant documents like bill statements and terms and conditions, which do not satisfy the requirements of proper validation under FCRA 15 U.S.C. 1681i and FDCPA 15 U.S.C. 1692g ( b ).

They have also failed to show legitimate proof of my authorization for these accounts, making their continued reporting illegal. 
Continuous Reporting and Re-Aging ( XXXX XXXX, XXXX, and Experian ) : XXXX XXXX  and Resurgent continue to report these accounts as " Charge-Off '' ( CO ) on a monthly basis, despite being charged off years ago. This constitutes re-aging, a violation of FCRA 15 U.S.C. 1681c ( a ) ( 4 ). 
Experian, despite being notified of the disputes, has failed to stop reporting this inaccurate information and continues to reflect the false reporting by XXXX and XXXX. This is in violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to cease reporting inaccurate information upon notification of a dispute. 
Failure to Cease Reporting After Dispute ( Experian and XXXX ) : Despite my multiple disputes, Experian has continued to report these accounts without conducting a reasonable investigation as mandated by 15 U.S.C. 1681i. Simply " verifying '' with the creditor without obtaining proper evidence does not meet the legal standard. 
XXXX XXXX and XXXX have also failed to comply with 15 U.S.C. 1681s-2 ( b ) by continuing to report these accounts without proper validation, despite being informed of the dispute.

Harm and Consequences : These unlawful practices have caused severe harm to my credit score, preventing me from securing necessary housing and loans. The continued re-aging and false reporting have also caused significant emotional distress and financial harm, as I am unable to move forward with important life decisions for myself and my family. 


Thank you for your attention to this serious issue.
Consumer complaint received 2024-08-22
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. (FL)

Ive received a copy of my most recent report & noticed there were listed fraudulent accounts on my report. The vehicle does not belong to me nor the apartment. Ive never made a payment on a car. I own a vehicle. This has affected me so much to the point I was told my license was suspended from the person who got the car in my name had no insurance. This is very disturbing for me & I am asking that my complaint gets invested.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX, I purchased a XXXX for XXXX offer from XXXX, a shoe company. The email stated that {$500.00} gets you 5 years worth of responsibly made shoes from XXXX. 
XXXX pairs of shoes for {$50.00} each. 
Yes, you read that right. 
Here 's how it works : pay {$500.00} to become a XXXX for XXXX Member, and we'll send you a code every 6 months for the next 5 years to redeem for any pair of responsibly made shoes of your choice! 

The first two installments were fulfilled as-expected in XX/XX/XXXX and XX/XX/XXXX. Now XXXX is refusing to issue my code for my next shoes, which was due XX/XX/XXXX. When I reached out to the company, they said XX/XX/XXXX that they would be delaying my code until some unspecified time in XXXX Meanwhile, the company has started to show major signs of financial stress- closing showrooms, layoffs 4XXXX {$100.00} sales, etc. Aside from the delay, it seems to me that the odds that this company can fulfill the rest of this offer are low. I think that XXXX was well aware that they could not fulfill this offer when they took my money. I asked for a refund via email XX/XX/XXXX, and they did not answer. 

The total with tax was {$530.00}. Because XXXX out of XXXX pairs were fulfilled, the amount remaining unfulfilled and in dispute is XXXX pairs, or {$420.00} ( 80 % of the {$500.00} purchase plus 80 % of 6 % sales tax ). 

I spent about half an hour explaining this to Bank of America when I put in my dispute on XXXX I explained repeatedly, and the representative seemed to understand, that I ***LEARNED*** of this merchants refusal to honor this deal on XX/XX/XXXX. Therefore, the 60 day clock for my dispute did begin XXXX 

However, Bank of America closed my dispute in error, stating that I failed to notify them within 60 days.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Novo Platform Inc. (IN)

I am writing to request an immediate resolution to a critical issue with my business account. My name is XXXX XXXX XXXX, and I am the account holder. 

Issue Summary : 1. Negative Balance : My account has been left with an unexpected negative balance of {$150.00}. According to applicable laws and regulations, banks are required to ensure that accounts are not left in a negative balance and are held responsible for correcting such issues promptly. 
2. Returned Check : A legitimate check deposit, confirmed by XXXX XXXX, was returned with a refer to maker notation. This returned check has contributed to the negative balance. I was informed that Novo Business Banking specialists should have contacted XXXX XXXX XXXX Department for clarification. However, no resolution has been achieved, suggesting a lack of action or diligence on Novos part.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, I am entitled to dispute any information on my credit report that is inaccurate or unauthorized.

Upon reviewing my recent credit report, I identified the following inquiries that I did not authorize : XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX These inquiries were made without my consent, and as such, they are in violation of the FCRA. Per 15 U.S.C. 1681n, I am requesting the removal of these unauthorized inquiries from my credit report and compensation for the inconvenience and potential damage to my creditworthiness.

In addition to removing these unauthorized inquiries, I am requesting {$1000.00} for each inquiry as stipulated under 15 U.S.C. 1681o, which provides for damages in cases where the FCRA has been violated.

Please investigate this matter promptly and provide me with a written response detailing the actions you will take to rectify these issues. I request that you complete this investigation and remove the unauthorized inquiries from my credit report within 30 days from the date of this letter, as required by the FCRA.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I am very concerned about my current mortgage company PHH mortgage. I have been on the forebearance plan since XXXX of XXXX. XX/XX/XXXX I was given the option for the three month trial payment. I asked PHH if they can work with me on lowering my payment with a modification. It is now XX/XX/XXXX and they just turned me down. They told me they cant qualify me for a modification. I also got turned down by california mortgage relief, because my original loan amount was over the XXXX. I been trying to get help, but PHH has got me in circle. I call them every week, they ask me for my profit and loss statement, I will send all documents, than I would get a notice, that I had sent the wrong items, when I did exactly what the last customer service representative asked me to do. This has been going on for months and months now. I would get transferred to so many customer service representatives that were out of this country. I would hear roosters in the background to the point, the representative from PHH is asking for my acct number 10 times. Now, i am a bad position, because not only will they want me to pay them the XXXX to bring my payment up to date, they wont lower or work with me on my payment. the last representative I just talked to, told me " I better hurry up and make a decision, or foreclose or sell your house. '' PHH mortgage is not helping me at all. They recording saying " Helping homeowners is what we do '' that is not a valid statement. I have been paying this mortgage for 10 years on time. I just needed help. I had to deal with my moms death during covid, i am taking care of a son that has drug addiction issue, and a dad that has no foot, XXXX and I have too many responsiblities. i really feel that PHH had drawn out this process so they can foreclose on me on purpose. They have no sense of urgency to give me an answer. I finally get an answer of NO, sorry after months of trying to get help. I even told them, I could ask my dad to borrow money from his pension, but they never even mentioned, if maybe I can get help. I was under the impressions from XX/XX/XXXX that their intent was to let me keep the home, not to trick me into believing they wanted to help me. no help at all. Can you help me?
Consumer complaint received 2022-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

A Supplemental Real Estate Tax was paid ( by us ) on XXXX ( {$1600.00} ). 
Surprisingly, Freedom Mortgage ( our lender ) increased the monthly payment ( from {$1700.00} to {$1800.00}, claiming escrow funds shortage ). 
After several unsuccessfull calls to their Customer Service Departament, we decided to contact FHA Resource Center ( RE : XXXX ), and they instructed us to send them an Error Resolution Letter, including all the payment evidence ; we mailed it on XXXX. 
On XX/XX/2022, we received a letter from them indicating they are maintaining their intentions not to address our claim, even when they have all the evidence to correct/amend this situation.
Consumer complaint received 2024-08-22
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. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.