davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Your Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, Pa XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a 48 My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT 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.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 
XXXX Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX Pa XXXX I request several time to have my information updated and its still old outdated information on my consumer report
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

The items listed below are only a few discrepancies The mortgage company didnt apply full payments the payments were not applied according to transaction history ( where did the money go to if not applied ) I was not given a Right To Cure Default Notice before the foreclosure according to Massachusetts Law one must be given Deed dated XX/XX/XXXX the bank has is not legal A deed to the property was signed over on XX/XX/XXXX I have been a victim of Predatory lending A Federal Truth In Lending dated XX/XX/XXXX was signed for XXXX the bank claims loan was XXXX difference of XXXX As of XX/XX/XXXX the bank claims there is XXXX owed on loan where did my payments go to, I have already paid over XXXX in interest according to the tax forms I have received Items listed under Disbursements To Others on Settlement Statements dated XX/XX/XXXX and XXXX XXXX the lender list amounts they paid to creditors the amounts lender claims to had paid were amounts more then was actually owed to creditors I was charged for homeowners insurance for several years which should not of happened because I had obtain and paid for my homeowners insurance which my insurance carrier sent policies to make the mortgage company aware Several times throughout the years the bank claims they paid taxes which were already paid by myself
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-01
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. (FL)

I demand the reinvestigation of my XXXX, XXXX XXXX XXXX charged off transactions and I demand that you exclude all of the following transactions from my consumer report! According to 15 USC 1681 i7 Description of Reinvestigation Procedure- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I want to know the method used to verify my previous complaints of multiple violations! Who did you speak with pertaining to the inaccurate transaction amounts being reported? How was it verified that it was ok for a charged off ( dead /dormant ) transactions amount to continuously change on a monthly basis for the last 5 years on a consumer report as accurate? What was the position of the person whom you spoke with? How long was the conversations? What was the actual date and time of the investigation? Did you investigate with the IRS that these charge off transactions had already been filled on their taxes as previously stated? Did you investigate that the IRS considers charge offs as 1099c and as gross/ordinary income? Gross/ordinary income does not report on the consumer report, so why are these XXXX  charge offs being furnished as debt on my consumer report, now these become inaccurate under 15 USC 1681EB Maximum Accuracy Shall Be Reported, did you investigate this part of my dispute? Did you look at the proof I had previously uploaded with all the violations and inaccuracies I will be suing for violations of 15 USC 1681n Civil Liability for Willful Noncompliance. 
I DEMAND that you immediately exclude the following transactions from my consumer report according to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) Exclusions- a consumer report does not include ( A ) ( i ) transactions or experiences between the consumer and the person making the report
Consumer complaint received 2024-02-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC (LA)

On XXXX XXXX XXXX  I emailed my loan officer XXXX XXXX with Cross Country Mortgage, requesting to have SCRA benefits applied to my loan. XXXX replied via email instructing me to sign the loan documents and that he would look into my request to have my SCRA benefits applied. Then on XXXX XXXX XXXXXX/XX/year>, I emailed XXXX XXXX, again requesting SCRA be applied to my loan with Cross Country and included another copy of my orders. XXXX then replied that he is unsure what it is that I am requesting and that I would need to go through loan servicing. I then emailed the loan servicing department requesting SCRA be applied and included my XXXX XXXX in the email and they have not responded. In addition to these emailed requests, I have called their customer service department on several occasions requesting to speak with someone regarding SCRA protections and their customer service team stated that they could submit a request for someone to call me back. I have received XXXX communication or help from Cross Country regarding this matter.
Consumer complaint received 2024-07-21
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. (TX)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-12-01
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (FL)

On XXXX XXXX, XXXX  I was the victim of identity theft. I saw that there were 2 charges on my bank account each for {$500.00} to a company I did not recognize. I immediately called my bank to dispute the charges and block the account so no further charges could come out while I moved my direct deposits to another account. The dispute i filed with my bank was found in my favor and all other charges were returned due to the fraud. A month later I received a letter from TRS Recovery stating i owed them XXXX which i filled out the form telling them it was not my debt and that i disputed it with my bank and found in my favor. Today i received another notice from them XXXX/XXXXXXXX stating they added fees and again gave me the option to dispute which I filled out the form and sent it to them. My account information was stolen and used to make charges and I followed the steps with my financial institution to resolve the issue. I want the company to remove the debt and stop sending me letters. This is not my debt and feel harassed by the company when they have been informed by me 2x that this was fraud and I filed disputes with my bank and were found in my favor.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit act XXXX account # XXXX, has violated my rights.

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I have attached proof that Equifax has admitted that I was in fact a victim of this XXXX XXXX and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. I can if necessary, draw up all the negative accounts from my Equifax credit report with account numbers and have them removed asap and I would like to file a complaint against them as well. Thank you in advance...
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (GA)

It was brought to my attention after recently applying for an American Express Card that an account was already opened without my permission in my name. I recently fell victim to identity theft over the course of the last year. My mail was being rerouted and due to a data breach from XXXX my phone was overtaken by something called a sim swap causing my number to be stolen for a period of time. XXXX and XXXX have been amazing at working swiftly with clearing the debt from my credit report however XXXX has not removed the fraudulent information and American Express have not closed the account. Attached you will find all documentation revolving the fraudulent information and Im praying both companies get it resolved immediately as they are both now violating my rights as a consumer and breaking federal law by 1 ) holding me accountable for fraudulent debt and 2 ) reporting inaccurate information to my credit. I spoke with XXXX in the fraud department at American Express and was promised that the inaccurate information will be removed promptly so I am now putting this in black and white to hold both companies accountable for their conspicuous actions. I expect this to be resolved within 30 days to avoid further action. A report has been filed with both the federal trade commission and XXXX police department.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
Consumer complaint received 2023-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received multiple letters in the mail to my parents home from credit cards requesting more information to open an account in my name that I did not request. Looked into all credit reporting websites and found that there were many inquiries that have hit my credit report that I did not request - so fraudulent activity has been happening. The below companies are listed as inquiries to my credit that I DID NOT request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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)

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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

My Experian and XXXX credit reports arent being updated, please add my current address to my credit report so that my credit report can be updated. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2023-12-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: HOME ACCEPTANCE CORPORATION (NY)

I met with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/23 I agreed to purchase the home food delivery service for {$100.00} per week. It was never disclosed that there would be two lines of credit opened up with Home Acceptance Corporation ( HAC ) under my name and without my consent. I received two billing statements from HAC on XX/XX/23 and this is when I realized two lines of credits were opened up in my name.

( 1 ) HAC Account # : XXXX - {$2900.00} plus interest for 36 months ( 2 ) HAC Account # : XXXX - {$2200.00} for 6 installment payments I reached out to XXXX regarding these two lines of credits opened and explained to him that this was not something I was aware of and did not consent to these terms and conditions. His sale pitch for the product omitted the details of the loans. Loan 1 was for a cookware set that I told him I did not need. He insisted that the price I agreed to pay included the cookware set so it didn't make sense not to take it. He omitted the fact that a loan would be taken out for XXXX with 17.99 % interest for 36 months. I have requested to cancel these loans, but I am being told that I can not cancel because the funds have been issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested to return the cookware set and return what had not been used.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marcadis Singer PA (FL)

This is a follow up for the complaint I previously sent about XXXX XXXX. They sold my info to Marcadis Singer PA, a 3rd party debt collector. I was not notified, nor aware of this until AFTER I received a letter from Marcadis. I sent them an Affidavit of Truth, which I have attached to the complaint. Marcadis responded by simply sending me statements. As a consumer, I have the right to see the contract that states that I owe a debt.