davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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)

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 informationisinaccurate.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CO)

In XXXX, I was XXXX  of a XXXX XXXX XXXX in Pennsylvania. Since it is now XXXX, I believe this is considered outdated information according to the Fair Credit Reporting Act. However, this conviction is still appearing on my background check which was conducted by a company named Checkr.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

I'm filing this complaint against Navient, a previous student loan servicer. The account is now closed due to loan consolidation. In XX/XX/year>, Navient submitted a 90-day late payment notice to all three credit reporting bureaus. To the best of my knowledge, the loan was on deferment for years because of difficulty paying. Yearly, I would call to request a deferment. To the best of my knowledge, the deferment was good for a year. So, it was a surprise when XXXX notified me of negative information on my credit file. I had no information from Navient that the deferment had expired. 

Upon learning of the negative information reported on my credit file, first, I reached out to Navient about the negative information they had reported and requested they remove it. Customer service informed me they couldn't remove the information, only the credit bureaus could do so. I argued that was incorrect. Navient provided the information, therefore, Navient could contact the credit bureaus to have it removed. She refused to honor my request. 

Then, I contacted XXXX on XXXX occasions to dispute the negative information. Each time, XXXX simply forwarded my dispute to Navient and that was it. It did not show how it conducted its investigation. I even submitted an email showing the account was on deferment, to no avail. I have not had any success dealing with either institution. 

On XX/XX/XXXX, I contacted them about the loan since Navient sent me an email regarding the change of status of the account. Of course, they had no information to provide and told me to call back in XXXX. I followed up again in XXXX just to be told that the account was closed due to consolidation, there was no information to provide. So confusing responses.
Consumer complaint received 2024-06-11
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. (TX)

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 informationisinaccurate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

There are two accounts reported by XXXX XXXX ( XXXX ) that continue to reage and extend past the 7 year limitation of the FCRA. Experian is the only one that continues reage, XXXX and XXXX have deleted due to the 7 year. They were due to delete already but Experian updated the information. I have old Experian reports showing that they were due to be deleted which I can provide those pages, and the reports with the new data. They were due to delete XXXX, 2024 and XXXX, 2024 but Experian extended the reporting another 6-7 months. I tried calling their referred number and provide my report number as they will not allow opportunity to dispute online.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Upon reviewing my consumers report, I noticed there were multiple accounts listed that do not belong to me. I've never heard of these companies reporting. The accounts are as follows : Credit Collection Service ( XXXX  ) - balance {$480.00}, posted on XX/XX/XXXX Credit Service Inter XXXX XXXX XXXX XXXX ) - balance {$1700.00}, posted on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$480.00}, posted on XX/XX/XXXX XXXX XXXX XXXX XXXX balance {$2200.00}, posted on XX/XX/XXXX XXXX
Consumer complaint received 2024-06-03
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. (TX)

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.

has violated my rights. Or a list of inquiries : 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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 "
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TD BANK US HOLDING COMPANY (MD)

Since I bought my property in XXXX This property has been my primary residence And the tax payments were always semi annual. I was paying for my mortgage an approximate of {$2400.00} a month. Last escrow analysis raised my mortgage to {$2600.00}. For some reason, the city of XXXX made a mistake and listed my property XXXX not primary residence so TD Bank took that information and paid last year the Full amount of the taxes. Now my new tax bill just came out XX/XX/XXXX for {$8300.00} of which now the city has amended the tax bill and have now semi annual payments of {$4100.00}. TD Bank send me an escrow analysis That was generated on XX/XX/XXXX and it says that the new total monthly payment now to pay is {$3400.00}. After I fix the problem with the city and got the correct information and send it to TD Bank mortgage company they apparently did a new escrow analysis and my mortgage monthly payments have gone up even further to {$3800.00}. 
Basically between my XX/XX/XXXX mortgage payment of {$2600.00} and my XXXX payment of {$3800.00} there is a massive mortgage payment increase on {$1100.00}!!!!! 
Going by the old escrow analysis that Ive had before I have seen my monthly payments going up by {$150.00} - {$200.00} dollars, but not XXXX XXXX XXXX XXXX XXXX XXXX DOLLARS!!! This posts a very large problem in the way that I XXXX not be able to fulfill payments as this is WAY more than what they are supposed to charge me. 
I just called them and told them the same thing and all they said was we will try to do another escort analysis call back in XXXX business days. They keep telling me the same thing over and over again and I feel theyre not caring for what XXXX trying to tell them, which is very important.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I am disputing XXXX accounts as duplicate accounts on my XXXX, XXXX and Equifax credit report. 

XXXX XXXX  or XXXX XXXX XXXX account XXXX. 

Also XXXX XXXX XXXX has the same account on my credit as of XX/XX/XXXX. Account XXXX. The original creditor is XXXX XXXX XXXX as a collection account. 

As these are duplicate accounts please remove both. 

. Also, The original account went default in XX/XX/XXXX. A default stays on credit for 5 years from the date of missing first payment. Your lender can not re-register account as per FCRA.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding a collection account labeled XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX. that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-06-11
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 disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with The Fair Credit Report Act, Public law XXXX, XXXX VI, Section XXXX. 
Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-11
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 disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX : XXXX XXXX XXXX XXXX account number XXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law

91-506, Title VI, Section 611. Please provide the names business addresses of each individual with whom you
verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-22
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. (WA)

I am writing to dispute inaccurate information that appears on my credit report. Please find below the detailed account of the inaccuracies and the relevant supporting information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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: CITIBANK, N.A. (CA)

Items were purchased on a business CitiBank credit card that were never delivered. I am the XXXX for the credit card holder, XXXX XXXX XXXX XXXX.. The original charge was on XX/XX/XXXX for {$47000.00}. The vendor for the purchase was XXXX XXXX XXXX, which subsequent to the purchase, filed for XXXX  XXXX bankruptcy. The anticipated delivery date of the items purchased was XX/XX/XXXX. In XX/XX/XXXX we learned that XXXX was having financial difficulties. We asked that the items we purchased be delivered. They failed to deliver the items as requested. In XX/XX/XXXX we disputed the original charge with CitiBank. They began an investigation of the issue. After several months, on XX/XX/XXXX during a phone conversation with a customer service supervisor, I was informed that CitiBank would not be crediting our account for the amount, stating that our request to dispute the charge was beyond their time limit for filing a dispute despite the unique circumstances of our situation.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XX/XX/year> I opened a checking account with citizens Bank to take advantage of a {$300.00} bonus offered to new applicants. A after opening the account I received the debit card in the mail but just a few days later I also received a credit card that I never applied for knowingly. I called the bank and told the staff member on the line that I never applied for a credit card. They told me that there was a box checked off in the online application that signed me up for credit card as well. I was careful in applying for this checking account and I had no idea that there was even an option to sign up for a credit card application. If I knew I would not have checked off any other boxes. I want to close the account but I know that if I close the account it will have negative impact on my credit score. The Bank wasnt able to confirm the extent of the negative impact that would occur if I closed my account. So now out of prudence I am forced to keep this credit card account open.
Consumer complaint received 2024-07-11
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: Westlake Services, LLC (GA)

I am writing to dispute the following inquiries and ask for their removal from my credit report.. Please have these unapproved inquiries removed from my credit report, as it is harming my ability to obtain new credit. I did not give any of these companies permission to check my credit.
Consumer complaint received 2024-06-03
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-03
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)

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.

has violated my rights. Or a list of inquiries : 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 2024-06-08
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: EQUIFAX, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It has been drawn out into the open that credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-07
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: Meridian Financial Services, Inc. (GA)

Recently, I did an investigation on my credit report and found a item on there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX  for {$320.00} this item was removed of of all bureaus