davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CARRINGTON MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-13
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. (MO)

I am writing to bring to your attention an issue I have encountered with my credit report. Recently, I discovered that there was a fraudulent account on my credit report that was affecting my credit score. I followed the proper procedures and reported the fraud to you, and you removed the account from my credit report. 

However, I recently checked my credit report again and was shocked to see that the fraudulent account had been added back onto my credit report. This has caused significant distress for me, and I am writing to request that you remove the account from my credit report once again. 

Section 1681e ( b ) of the FCRA states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports.

Additionally, under section 1681i of the FCRA, consumers have the right to dispute any information they believe is inaccurate or incomplete in their credit report. If the credit reporting agency can not verify the accuracy of the information in dispute, it must be deleted or corrected. This may include delinquent accounts that are no longer accurate or valid. 

It's important to note that credit reporting agencies are required to follow specific procedures and timelines when investigating disputes and updating credit reports. If you believe that a credit reporting agency has not followed the proper procedures in handling your dispute, you may have legal options to pursue.
Consumer complaint received 2018-07-16
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. (AZ)

Experian seems to have different responses everytime before that they stated they needed the data furnishers information and now they are stating they refuse to add the cporrect information on case ID XXXX? This is the 4th complaint against Experian and every response from Experian has been documented on my side, the initial complaint was based on my credit score dropping 20 pts, me being removed from Experians special status customer service for consumers who have attorneys write to Experian and why an authorized account was not being recognized by Experian. As I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in XXXX XXXX. Experian requested that I consultant with a credit expert and or banker to have them explain my credit drop of 20pts, in which I consulted with my peers in XXXX, they were as confused to see that my credit score had dropped 20pts for no apparent reasons, the responses from Experian have been shall we say, deceptive to the point of ignoring the request for an explanation of the credit score drop. I would like to have Experian explain why I am on a special status list for consumers? It requires time and different agents to speak too about my credit profile with Experian. Again, I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in XXXX XXXX, and I will use the full extent of my legal rights to protect and get my credit profile fixed according to The Fair Credit Reporting act. On complaint XXXX Experian has stated erroneous and false statements and it seems who has responded is not versed in credit laws or credit rights, My attorney provided Experian with recent XXXX information pertaining to this authorized user account, while Experian is using old outdated account information from XXXX, which again they are ignoring information from the data furnisher XXXX from XXXX, they have requested this information on complaint XXXX and they will review it. My attorney provided this information on the 1 st legal letter that was sent to Experian, I have provided this information on complaint XXXX and XXXX from the data furnisher XXXX that they report to the 3 major credit bureaus, perhaps Experian would like to explain their actions under a legal court hearing? As I have stated before I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in XXXX XXXX. Attached again for the 4 th time is the data furnisher XXXX that they report to the 3 major credit bureaus, all responses on my credit profile are again being documented and will be researched according to The Fair Credit Reporting act. Thank you XXXX XXXX XXXX Correspondence Mail : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX, Az XXXX
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

Contacted by Trident Asset Management, concerning an account purchased by XXXX XXXX XXXX dealing with XXXX account from XXXX. The information supplied by Trident shows bills from XXXX dated XX/XX/XXXX and XX/XX/XXXX. It lists two account for the following amounts, {$450.00} and {$580.00}. These bills show current billing and credits. The last XXXX account that I had was for XXXX service on a house that we owned. That house was sold in XX/XX/XXXX. I have sent 4 letters and made numerous phone calls to Trident to clarify this matter. I have summited Court documents with the date of the sale of the house. Trident continues to list this as a valid debt on the credit bureau sites.
Consumer complaint received 2024-07-17
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. (NC)

Subject : Violation of Opt-Out Rights under 15 USC 6802 and Request for Account Deletion Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to bring to your attention a matter regarding my account withXX/XX/XXXXpecifically concerning their violation of my rights under 15 USC 6802 and the improper handling of the account post-charge off. I formally requested to opt out of the sharing of my personal information with affiliates and non-affiliates ofXX/XX/XXXX, in accordance with 15 USC 6802 ( e ). Despite this opt-out request, XXXX XXXX response was they have a right to share my information which is a clear violation of my statutory rights per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. They are in violation of ( b ) ( 1 ) ( b & c ). Furthermore, I would like to address the current status of my account with XXXX XXXX XXXX. The account in question has been charged off, and to date, I have not received a Form 1099-C ( Cancellation of Debt ) for the forgiven amount. This failure to provide the necessary tax documentation has further complicated my financial obligations and legal responsibilities.
Consumer complaint received 2024-07-17
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. (MO)

Under the Fair Credit Reporting Act, the list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802, which you can include and state that you DID NOT receive the required opt-out notice when you created the account being reported ( they never give you the opt-out notice ). You have a right to opt out of any non-public info reporting. 

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years. 

15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (CO)

This institution is reporting charge-off accounts on my XXXX and XXXX credit report. However, they have failed to conduct proper investigations or provide the necessary documentation as required by law under the Fair Credit Reporting Act ( FCRA ). 

As per my rights under the FCRA ( 15 U.S. Code 1681i ), I formally disputed these charge-off accounts, requesting a full investigation and validation of the debts in question. According to the FCRA, credit reporting agencies and the institutions furnishing the information are required to : Investigate the Dispute : Upon receiving a dispute, the information provider must conduct a thorough investigation and respond to the consumer within 30 days.

Provide Written Results : The consumer must be provided with the results of the investigation and any supporting documentation that proves the validity of the debt.

Cease Reporting if Unverified : If the information provider is unable to verify the debt after an investigation, they are required by law to cease reporting the incorrect or unverifiable information to the credit bureau. 

Despite multiple disputes, these institutions have not provided me with the required results of their investigations. Furthermore, I have not received the proper validation documents to substantiate the charge-off accounts. This is a direct violation of the FCRA and my consumer rights. 

I am requesting that these institutions be held accountable for failing to adhere to the legal obligations outlined in the FCRA. I ask that these charge-off accounts be immediately removed from my credit report due to their inability to provide proper validation and investigation results. Additionally, I am requesting that these institutions notify XXXX to delete any erroneous or unverifiable information. 

I appreciate your attention to this matter and expect swift action to resolve these issues. 

Thank you for your assistance.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-17
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)

In accordance with the Fair Reporting act, the XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

This account status is labeled as opened. Which is also false. No agreement to distribute funds to this creditor occurred.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (LA)

My credit was illegally pulled from multiple banks and financial companies without my knowledge or consent on XX/XX/year> over 7 times and other dates as well. I filed disputes through all 3 credit bureaus ( Equifax, XXXX XXXX and XXXX ) with supported evidence attached by file to each one. No actions have been taken by any of the 3 credit bureaus and still waiting for response or positive reflection on my credit from these inquiries. Please truly help and will be looking out for a response.
Consumer complaint received 2024-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

Made a purchase with company XXXX XXXX, but was unaware it was a subscription service. I called the company and XXXX XXXX  stopped all charges, and in fact refunded the fee. Also contacted the credit card company and Since XX/XX/year> have been contacting Capital One regarding the charges, and one month the credit card company reverses the charges and then the next month I am charged double. This last time I called told them I was not going to pay this months bill, and then for my XXXX bill I am charged a late fee on charges that the company keeps removing, and then adding the charges back to my bill. I have sent them back every item needed to dispute these charges. I will download what I can with whatever download space is available.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XX/XX/1991 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agencies, block 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 personal credit card account opened at XXXX acct number XXXX with a balance of {$7600.00} and a collections account opened at XXXX acct number XXXX with a balance of {$420.00}, XXXX account XXXX with a balance of {$150.00}, XXXX acct XXXX with a balance of {$0.00}, XXXX XXXX XXXX acct XXXX with a balance of {$39000.00}, XXXX XXXX  Bankruptcy Ref : XXXX, XXXX XXXX ( inquiries )XXXX XXXX ( inquiries ), Experian Business Credit ( inquiries ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (GA)

In XXXX I obtained a car loan from Exeter Finance by the beginning of the year XXXX my car loan was paid off without a late payment throughout the entirety of the life of the loan.Through the life of the loan I obtained a few deferred payments in which it was explained to me by representatives working for Exeter Finance that I would pay these off once my original loan was over. They explained that once my original loan was paid I would continue making my monthly payments of XXXX every month until the deferred payments were paid off. XX/XX/XXXX Exeter Finance contacted me explaining if I did not pay the balance in full of the deferred payments they would report to the credit bureau each month XXXX days etc until paid in its totality. I explained to them what the representatives of their company had previously told me about the deferred payments their reply was Im sorry they told you that but they were wrong. I responded well I went along with the deferred payments based off of what they told me if I knew I would have had to come up with a lump sum of money at one time I would have went another route.I continued to make my monthly payments on time every month even extra payments to try everything in power to pay these deferred payments off I feel this was a situation where predication of consumer was at hand. I take my credit so seriously thats why I never had a late payment throughout the entire life of the loan but this entire ordeal with this company is ridiculously on so many levels. My entire credit report is very good and my score to with the exception of this blemish this company has left a dark cloud over my credit. If you take a look at my account with Exeter Finance over the XXXX or XXXX years it is flawless then at the very end you will notice something odd and strange looks like this account has took a turn for the worst not normal. Any help that can be given in this matter to resolve my situation and to not let Exeter Finance prey on anymore consumers in the future would be greatly appreciated. Thank you
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/year> submitted 605C human trafficking proof to experian & transition ONLINE ( police reports, victim advocate letter, personal letter & proof of identity ) and which accounts need to be blocked. 

XXXX  have called daily and there has been no response or resolution. Each time I speak with a representative they say they are " too busy '' or backlogged. This violates the guidelines of the 605C debt bondage relief act. This is putting me at risk for losing my housing due to the deragatory information and I have told the representatives repeatedly of this emergency situation. I have reminded them that there are only 4 businesses days to block this information and we are past that deadline. 

TRANSUNION_ claims they do not have my documents and are not allowing me to upload them online. they have had my paperwork XXXX XX/XX/XXXX per the representative I spoke with today. it is now XX/XX/XXXX! Significantly beyond a 4 day period. 

I have rebuilt my life significantly over the last 5 years and this old information from a traumatic time in my life continues to haunt me.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Although I haven't declared bankruptcy, there seems to be a mistaken tag associated with my financial status. My record erroneously reflects a bankrupt status, despite no such declaration having been made. This discrepancy has caused confusion and requires rectification to accurately reflect my current financial standing