davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint regarding inaccurate information that has been reported on all 3 of my credit reports. The information in question is in violation of the Fair Credit Reporting Act ( 15 USC 1681b ) and the Identity Theft and Assumption Deterrence Act ( 18 USC 1028a ). 


I recently obtained a copy of my credit reports from Experian, XXXX and XXXX and discovered that there are items listed that do not pertain to me or are misrepresented. These inaccuracies are damaging my creditworthiness and financial reputation, and I believe they may be the result of identity theft or fraudulent activity. 

Specifically, the following items are incorrect : 1. XXXX XXXX account # XXXX ( wrong dates ) 2. XXXX XXXX- account # XXXX ( wrong dates ) XXXX. XXXX XXXX account # XXXX ( wrong dates ) I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to take measures to prevent further dissemination of this false information and to hold accountable any parties responsible for its inclusion on my credit report. 

Additionally, I am writing to formally request validation of each alleged debt they are attempting to collect.Pursuant to the FDCPA, I am entitled to request validation of these debts, including but not limited to : 1. Verification of the amount owed.

2. Proof that they are licensed to collect debts in my state.

3. Documentation showing that they are the legal assignee of the debt. 
4. A copy of the original agreements with my signature, validating that I am legally obligated to pay these debts.

5. Details of the original creditors, including contact information. 

Under the FCRA, credit reporting agencies are required to report accurate information on a consumer 's report, also conduct a reasonable investigation of items on a consumer 's credit report. They must promptly delete these inaccurate items from my credit report. Outlined in Section 1681i of the FCRA. 

With this letter are copies of documents supporting my claim. 

Please keep me informed of the progress of your investigation and any actions taken to resolve this matter. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take swift action to address these inaccuracies and restore the integrity of my credit report.
Consumer complaint received 2024-06-17
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)

In accordance with the Fair Credit Reporting act XXXX, 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 my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

With XXXX XXXX, it is saying I dispute my credit report after resolution, when I dont. So now I have to dispute that I dont dispute the report - excepting the comment that I do dispute the report. This sounds like a very bad riddle. XXXX XXXX should do the right thing, and remove inaccurate commentary. Nothing else is disputed.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, 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 (FL)

Pulled credit report and saw inquiries on my account, I tried reaching out to the credit bureau they explained to me that I must contact the actual company and I did that as well and is getting no where.
Consumer complaint received 2023-11-16
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-12
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX  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 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 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo regularly failed in the servicing of my mortgage. At various times, they alleged default and included foreclosure costs which were estimated and not actually incurred in violation of my mortgage contract and federal and state laws. As a result of the foreclosure costs, they required me to paid in full as a condition of restating the loan. Their reconciliations show they collected thousands of dollars not due to them and their reinstatement figures were materially overstated. During this period of alleged default and not actual fees having been assessed, Wells Fargo furnished negative information to the credit reporting agencies which continues to be furnished through today. These furnishings have prevented me from refinancing my financial obligations as well as indicating to other lenders that I was a credit risk. During the alleged default, they continued to prepare court filings that indicated they were due amounts that had not been incurred. Their law firm was relentless in the pursuit to obtain a court order of default in order to sell my home at sheriff sale. The underlying conditions they created resulted in health problems and the inability to earn a living having to defend their baseless claims.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-17
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. (MO)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (MD)

True accord debit collection called me about a debt from XXXX XXXXXXXX XXXX This debt was a result of identity theft - using my old address ; I use a corporate phone and further have no affiliation with XXXX XXXX. I called XXXX XXXX when this issue came up 3 years ago. After filing a police report for ID theft, XXXX XXXX XXXX the debt. 

Why am I still getting calls about this?
Consumer complaint received 2024-05-31
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. (VA)

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 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 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 2024-06-17
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: EQUIFAX, INC. (NV)

Equifax and XXXX wont allow me to access my own credit reports. I get an error message that states my Identity can not be verified and I have to submit a request via U.S. Postal Service only- which I have twice. Along with a copy of my ID and birth certificate and a bill in my name with my mailing address and havent gotten a response either time. Ive been unable to get these reports for over 5 years. whenever I apply for credit- they businesses making the credit inquiries cant get these reports either.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-17
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)

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 XXXX ) XXXX : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Consumer complaint received 2024-06-17
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. (CA)

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 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 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 2023-02-13
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. (MI)

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 ( XXXX XXXX ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX # XXXX, 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 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 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-31
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. (FL)

In accordance with the fair credit reporting act account XXXX from XXXXXXXX XXXX XXXX was already pay since XXXX XXXX in total of XXXX dollar. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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, XXXX, and Experian. 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 Better Business Bureau, 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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. (OK)

Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).