davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MA)

I am submitting a claim against Midland Credit Management and XXXX XXXX XXXX regarding their actions in a lawsuit filed against me, their failure to provide the required verification of debt information, and their failure to comply with the court-ordered arbitration. 

Background Information On XX/XX/scrub>XXXX XXXX XXXX, I received a lawsuit filed against me by Midland Credit Management and XXXX XXXX XXXX. In response, I sent a request on XXXX XXXX XXXX requesting the following information to verify the debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ) : The amount of the alleged debt. 
The name of the original creditor. 
Verification or a copy of the original contract or agreement. 
Proof that Midland Credit Management is authorized to collect this debt on behalf of the creditor. 
The original creditors contact information. 
The original account number. 
The date the original creditor transferred the debt to Midland Credit Management. 

Despite my formal request, I received no response from Midland Credit Management or XXXX XXXX XXXX. Additionally, on XXXX XXXX XXXX the court ordered that the case require arbitration per the original creditors agreement, further emphasizing proper verification and compliance. 

Failure to Respond and Further Actions On XXXX XXXX XXXX, after the XXXX validation period had expired, I sent a follow-up letter demanding that Midland Credit Management drop XXXX XXXX and remove all negative entries related to this debt from my credit report. This request was made because they failed to provide any of the information I had asked for, as required by law. 

I have not received any documentation or communication from Midland Credit Management or XXXX XXXX XXXX to substantiate this debt, nor have they complied with the courts order to enter arbitration.
Consumer complaint received 2023-07-03
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. (TX)

Despite my previous request, the acccounts i've been disputed still appear late payment in my credit file but the fact is, I am never been late on paying. For that reason, I am asking for your help to correct my payment status or information in my account. It was come to my attention that the 3 credit bureaus have unlawfully disclosed my personal and private information. I demand that they will provide me an updated copy of my credit report immediately. These accounts should be corrected right away : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There are many inaccuracies in my credit report. I don't recognize this CAP ONE AUTO. The Date of Last Active differently ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX is not reporting this account. Also, if it is a charge-off account then there should be no balance on this report.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 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.

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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I previously disputed these accounts with the relevant credit bureau ( Experian ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The details of my dispute are as follows : 1. Account Number : XXXX Creditor : XXXX  XXXX 2. Account Number : XXXX Creditor : XXXX  XXXX. Account XXXX : XXXX Creditor : XXXX 4. Account Number : XXXX Creditor : XXXX  XXXX 5. Account Number : XXXX Creditor : XXXX 6. Account Number : XXXX Creditor : XXXX  XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information. 
FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Consumer complaint received 2024-10-25
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. (CA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated.the inaccuracies are highly injurious to my credit score XXXX XXXX account # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, SUBSECTION A-D please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (LA)

XXXX or XXXX, 2023 I received a check for XXXX through my lawyer for home repairs from hurricane Ida. This check had to be submitted to NewRez for signature confirmation. As of today, I've not received one cent of this money. NewRez demanded that I hire only contractors to complete the work. I have struggled through these rough economically challenged times to not only pay my high mortgage note ( as a single mother ), but to somehow repair issues at my home while living from paycheck to paycheck. I've even gone into more debt by borrowing funds from my credit union to have repairs made while NewRez has been tight fisted towards me by placing unreasonable and burdensome expectations upon me while hording funds appropriated for the purpose of repairing my home!
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX dollars - XXXX XXXX - XX/XX/XXXX This is a Bank of America account with about XXXX XXXX dollars, when I call they have no trace of my account and have told me there is nothing they can do about my money. Plz help me recover my money as I will pay you extra once we get the account back. The owner of the account is XXXX XXXX or my other name ( ( XXXX XXXX ) ) XXXX : they did call and hang up
Consumer complaint received 2024-10-25
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. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO Bank, N.A. (FL)

On XX/XX/2023, I filled out an online application with Bank of the West, Essex Credit ( XXXX XXXX XXXX ) for a boat loan. There was no disclosure in the application that a hard credit inquiry would be conducted. 

I did not authorize a hard credit inquiry against my credit report. 

The loan request was summarily denied, so I attempted to reapply the following day, XX/XX/2023 with more money down. This time the loan was forwarded to a XXXX XXXX ( XXXX ) who said the bank needed additional financial records to proceed. Again, during this second loan application, I did not authorize a hard credit inquiry against my credit report. The loan rate quoted me was 10.44 % and I withdrew my request and decided not to receive a loan from this bank. 
Less than a week later, I receive two letters indicating hard credit inquiries from Bank of the West on my credit report. I contacted Bank of the West and XXXX XXXX XXXX, and she said she would speak with her manager, who later said they could do nothing to remove either inquiry. 

I believe Bank of the West misrepresented they business as demonstrated my numerous complaints to the XXXX ( XXXX XXXX XXXXXXXX ) and fraudulently collected financial information without my consent. 

I would like Bank of the West to contact XXXX and have BOTH hard inquiries removed from my credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

This complaint is being filed to escalate the unresolved issues from Complaint # 2 regarding XXXX Banks continued negligent reporting of a fraudulent account, despite having been informed of the fraud and deletion in Complaint # 1. Additional evidence uncovered during my investigation shows re-aging and XXXX failure to update my credit reports in line with the fraud confirmed by XXXX XXXX XXXX. 

Key Issues : 1. Re-aging of the Account : After further investigation, the XX/XX/XXXX XXXX credit report ( attached ) shows that re-aging has occurred, with late payments, delinquency entries, and charge-offs extending into XXXX XXXX XXXX despite the accounts original charge-off in XX/XX/XXXX. 

XXXX  response to Complaint # 1 incorrectly asserted there was no re-aging, which this report directly contradicts. 



2. Failure to Act After Being Informed of XXXX Deletion : XXXX XXXX  was informed in Complaint # 1 that XXXX XXXX XXXX deleted the account in XX/XX/XXXX, and they were provided proof of this deletion in Complaint # 2. However, they have failed to act on this information and have continued to report the account as delinquent, causing ongoing financial harm. 



3. Negligence in Addressing Key Evidence : XXXX failure to address critical evidence in their response, including the FTC Identity Theft Reports and my hospice certification, shows a pattern of negligence in their investigation process. 

Despite being presented with this evidence in Complaint # XXXX, the account continues to report inaccurately, causing ongoing harm.
Consumer complaint received 2023-07-12
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. (NJ)

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. Account name : XXXX XXXX {$520.00} XXXX XXXX XXXX {$250.00} Late Payments has violated my rights. 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 written instructions. 15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( XXXX ) 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 2024-08-03
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. (DE)

I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below.

This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS Accouct name : XXXX XXXX- XXXX Account name : XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

If you had a Wells Fargo account between XXXX and XXXX, you might be one of the 16 million customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). 

As part of a {$3.00} billion settlement, Wells Fargo has agreed to pay more than {$2.00} billion directly to customers harmed by illegal activity, ranging from incorrect overdraft fees to wrongful foreclosures, according to the CFPB. 

For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent. 

I had my bank account with Wells Fargo for over 20 years and I had my account frozen several times for possible " fraudulent '' activities within this time frame. Also, I had plenty of overdraft fees within this time frame too.
Consumer complaint received 2024-10-25
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. (CA)

I paid off my balance with Affirm with funds from a cash out refinance. Payment was sent via Escrow. The check has been cashed by XXXX. 

They have told Experian that it has been over 90 days late even though I sent XXXX and Experian a copy of the voided check that shows it was cashed, balance paid off over 4 months ago. 

Despite four investigation requests to XXXX  and two dispute investigations to Experian, they both fraudulently say that my account is not paid off and late. They illegally threatened to charge of my account to collections despite not owing anything. 


This is adversely affected my credit to where I am being denied credit.