davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (AL)

I am writing to formally express my concern regarding the inaccuracies in several accounts on my credit report. Despite multiple attempts to resolve this matter, these errors remain uncorrected, causing significant harm to my creditworthiness. 

The incorrect information is severely affecting my financial standing, making it difficult to manage everyday responsibilities and future opportunities. I respectfully request a thorough investigation into each of the disputed accounts and that corrective action be taken immediately. 

It is critical that my credit report is updated to reflect accurate information without further delay. I trust that your prompt attention to this matter will help restore the integrity of my credit file, allowing me to regain control of my financial well-being. 

Thank you for your understanding and swift action.
Consumer complaint received 2023-04-04
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: W&A Intermediate Co., LLC (SC)

Certified dispute letter mailed XXXX. Dispute letter received XXXX  Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the XXXX law violations of this third party agency
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (DC)

Jefferson Capital has been sending letters to an address that I do not and have never lived at. I have no way to receive these letters and I have never received any correspondence from them at my home address or via phone or email. They are sending personal letters with identifying information about me to a home I do not reside at.
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MI)

XXXX claims they have no time limit to refund escrow from paid-off mortgage. 

Refinanced, and closed on XX/XX/XXXX. Funded new escrow out of pocket, was assured the prior servicer would refund my existing escrow account. Previous mortgage was paid off in full. Sadly, I have been out several XXXX dollars for weeks now. I've delayed car repairs, and foregone contributions to retirement due to this. This expense was not anticipated during the cash-out refinance process. Am I entitled to lost gains on the amount due to the excessive delay? 

I made several calls to the prior loan servicer ( XXXX, formerly The Money Source ) throughout XXXX. It has now been a month since closing. No plan of action was provided which would ensure I received my refund inside the requisite 20 days. When I ask them how long they are allowed to take with this process, their response is that there is no time limit, and that it's their policy not to make any guarantees. All staff have told me to just keep waiting, and the next time I should call back keeps getting increased. Although they had such delays even getting the disbursement task assigned and started, they have laughed off suggested alternatives to XXXX ground mail, such as funding the new escrow or using the direct deposit system I used with them for years.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Derogatory XX/XX/XXXX {$270.00} Reported Illegally on my consumer report this above collection item On XX/XX/XXXX I not only contacted the consumer reporting agencies regarding this illegal item, which would constitute as identity theft as I never did any business whatsoever with XXXX  and wrote to XXXX as well requesting they provide all documentation regarding our contracting them, billing and payment history, contract to do business with them, life of the account. They did not respond in any way, what they have done is now sell or transfer this debt to XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$270.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX. This is how they ruin and abuse consumer 's creditability and consumer profile. I never did any business with XXXXXXXX XXXX, nor have I received any information from them. How they are allowed to illegally furnish information to my consumer profile is not only injurious to me but alarming. 

Aside from the personal injury to me, these persons ( XXXX XXXX XXXX XXXXXXXX XXXXXXXX ) in collaboration with consumer agencies are breaking the law. In fcra 15 USC 1681 Congress specifically stated what can be reported to a consumer 's report and equally important what MUST BE EXCLUDED. Any transactions and experiences are to be excluded from a consumer 's ( my ) profile. In addition, in my communication with XXXX  I exercised my right given to me by congress to request XXXX to cease and desist from this illegal activity they in turn chose to collude with XXXX XXXX XXXX to further injure my consumer profile. I have never done any business with XXXX XXXX XXXX XXXX XXXXXXXX. I have never opted in to their reporting to the consumer agencies on my behalf. I am pleading to CFPB and FTC to get these persons and agencies to provide my OPT IN and life of the transaction proof as well as any contract of me agreeing to do business with them.
Consumer complaint received 2024-09-10
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)

I have disputed these items and have received no information that I requested so that I may have a accurate and fair credit report .The item is XXXX XXXX XXXX the account number is XXXX. This account is XXXX years old.. This account was closed before they ever put it on my report also this is not under the FCRA.

Under 15 Usc 1681 states a accurate credit report should be what I'm in entitled to.
Consumer complaint received 2023-04-04
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: Frontline Asset Strategies, LLC (SC)

Certified dispute letter mailed XX/XX/2023. Dispute letter received XX/XX/2023. Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the CFRA law violations of this third party agency
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (TX)

On the XXXX of XXXX I went to my local branch to enquire in Good Faith. For a line of credit lone to help with personal use for a opportunity to help for education to help leave a family legacy. With all that I have been needing to accomplish, this was the final piece to the puzzle. My brighter future as CONSUMER to pull myself up buy my boot striped and achieve the American Dream. But unpronounced to me that dream would be burned to the ground by a fictitious report that should not. Hold any bearing of my character. The company that I would be working for is a dream for me to have because it would allow for all of my needs to be met.I have been discriminated against feeling the loss of HOPE as a single XXXX mother in this Heartless world of Thieves. There responds was well over 30 days and it's no wonder why because they only believe FALSE CLAIMS against people that a CRA reports with out any significant or consent.. This is a crime and whoever they are that have committed this crime I need CONSUMER justice.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Whereas every obligation is to be discharged upon payment, dollar for dollar ( in any coin or currency which at the time of payment is legal tender for public and private debts ). And where every provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed ; please take the necessary steps to discharge any debt incurred from consumer credit transactions on this card under HJR 192. 

Additionally, in accordance with 15 U.S. Code 1666 ( A ), please take the necessary steps to credit any balance created in connection with consumer credit transactions on this credit card. 

Capital One Venture One XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. (MI)

State of Michigan XXXX of XXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : Identity : I am the individual whose name appears on the credit report issued by on Equifax, XXXX and XXXX XXXX. 
Dispute of Inquiries : I dispute the accuracy of the following inquiries listed on my credit report : 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 These inquiries were made in violation of 15 U.S.C. 1681b and 1681n, as they were not authorized by me or made for legitimate business purposes. 
Dispute of Collections : I dispute the accuracy of the following collections listed on my credit report : XXXX XXXX XXXX. These collections were reported in violation of 15 U.S.C. 1692g and 1692c, as they were not valid debts or were not properly communicated to me. 
Dispute of Charge-Offs : I dispute the accuracy of the following charge-offs listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charge-offs were reported in violation of 15 U.S.C. 1681e and 1681i, as they were not accurate reflections of my creditworthiness or were reported in error.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (IL)

Act. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX XXXX # XXXX XXXX XXXX Act. # XXXX XXXX XXXX # XXXX XXXX Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX
Consumer complaint received 2024-10-13
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. (WI)

HI, I first noticed a hard inquiry from XXXX XXXX in XX/XX/XXXX, on my Equifax report. I called them & they told me it was an error on their end, it should have just been a soft pull & instructed me to send an email to the manager that handles these issues. & He reached back out to me after a couple weeks stating he already notified Equifax to change the inquiry to soft pull & emailed me proof. I waited awhile & nothing was changed, XXXX XXXX told me I need to contact Equifax for the issue because they already did their part. I contacted Equifax several times & I did a dispute to remove this inquiry & they just ignored my request & stating they can not remove it or change the hard inquiry to soft only the company can. I am really exhausted with the back in forth from both XXXX XXXX XXXX Equifax, not properly doing their jobs right. In the 1st place I NEVER should of had a hard inquiry, XXXX XXXX is a loan company that works with XXXX XXXX cases to let you borrow from your future settlement & I borrowed a few thousands in XX/XX/XXXX & when my XXXX XXXX cases were settled in XX/XX/XXXX, my lawyers paid them back. I was told only time anything would show up on my credit report is if I didn't pay the loan back & the loan was paid back & I was NEVER told there would be a soft inquiry in the 1st place either, so I was shocked when I received a hard inquiry dating XXXX showing up almost a year later. This should be a simple fix to request to Equifax to remove the hard inquiry & change to soft inquiry or just no inquiry at all. This has caused my credit score to drop & I am in the process of preparing to buy my 1st home. It's causing me stress & extra time, to call both companies, just to get no where. I appreciate if they work together to get this matter corrected ASAP! THANK YOU!
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Possible Financial Inc (TX)

I have tried multiple times ( using a credit repair service ) to write them to remove the late payments or closed accounts, and every time the credit repair company sends them a letter I get it back in the mail stating its " undeliverable due to incorrect address '' I have paid for these credit repairs services over the last 2-3 years and they write to this company and CHARGE me for each letter. The address listed on my credit account is WRONG and there's no way to contact them by phone number, the XXXX number listed in their " Customer service '' is false as well. The line rings and then connects and just stays quiet. Good luck sending them an email, they'll get back to you until you mention you want to delete the late payments and then they don't respond. I'm in the process of trying to purchase a home and the COUPLE of late payments are hurting my score, and also my husbands.
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (MS)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : 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 2024-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I had originally filed a complaint for a debt on my credit report from a creditor ( National Credit System Inc ) A/C # XXXXThe debt collector didnt verify the debt he didnt know who the original creditor was, I also asked four ( 4 ) questions to validate the debt since I never did any business with ( National Credit System Inc ), my questions werent answered he became very aggressive and ended the call. After that experience I did my own research and according to XXXX XXXX XXXX and Florida Office Of Financial Regulation this creditor is not authorized to collect any debt in the state of Florida. Please see attachments below
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$6600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$160.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$59.00} XXXX XXXX XXXX Account number : XXXX Balance : {$24000.00}
Consumer complaint received 2024-09-11
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had derogatory remarks over 20 potentially negative months ( collections/ charge offs ). The consumer reporting agencies need to report all information with complete accuracy. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements for this account. 


If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (NJ)

Due to the suspicion of someone else probably using my SSN I am disputing unrecognized, unauthorized or inquiries that I do not remember applying for. 
Disputes ; XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX