davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 2024-07-05
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)

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/2024 XXXX. XXXX XXXX XX/XX/2024 XXXX. XXXX XXXX - XX/XX/2024 XXXX. XXXX XXXX - XX/XX/ XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These four Accounts on my Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have been reported completely inaccurate as shown in the screenshots. These 4 inaccuracies reporting late payments and negative information has dramatically affected my ability to get approved for mortgages and credit.

I want these 4 erroneously reported accounts removed from my credit report.

Per FCRA 15 U.S. Code 1681n, these are violations that entitle me to compensation, up to {$1000.00} per violation
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" 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. Please see attached file for these items I am complaining.

"
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-11-22
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. (NV)

XXXX 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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 car loan opened at XXXX XXXX XX/XX/XXXX ( removed XX/XX/XXXX ) and a collection account as a result of this XXXX XXXX  which is reporting on my file as XX/XX/XXXX I've called and spoken with XXXX XXXX through numerous ways of contact to resolve issue and delete said file. XX/XX/XXXX I sent a letter disputing and asking for verification and was only sent a letter with name on it. I called on XX/XX/XXXX and spoke with XXXX, I emailed XXXX XXXX XX/XX/XXXX and sent over fraud documents disputing this claim as well of incarceration paperwork and news article. On XX/XX/XXXX I spoke with XXXX XXXX who used profanity and told me why did I need to remove an account if I was in XXXX. I do not recognize the aforementioned accounts or collections as reported. The above mentioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX, XXXX is in violation of Section 609 of the Fair Credit Reporting Act ( 15 USC 1681 ). 

XXXX XXXX XXXX XXXX is providing information to credit bureaus for account number XXXX. I have not provided written consent for the furnishing of this information.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This complaint is about inaccurate information on my Equifax credit report. I have contacted this company many times to correct or delete information on my credit report that is inaccurate or incorrect. Approximate dates are XX/XX/XXXX  thorough XX/XX/. The company tells me that I am unable to dispute information or the information comes back verified. My employment history reflects companies I have never worked for, I have accounts that I do not recognize and accounts with inaccurate payment history. My information was breached due to negligence of the same company. Due to the breach of information and incorrect information on my credit report I request the information be corrected accurately or deleted from my credit report.
Consumer complaint received 2024-07-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (AL)

In XXXX Freedom Mortgage offerd us a 3.25 apr interest 30 year fixed mortgage thru VA which they did successfully.

A few months later ( about 7 or 8 ) they approached me again to " re-rate '' the mortgage again and give fixed rate of 1.75 or 2.0 % apr.. I felt it to be inappropriate, as I had advised them of an Identity theft issue and I was struggling to deal with that. They said that I should proceed because it would save me a great deal of money, so my wife and I continued the process. they coached us to answer the bankruptcy questions, etc. as a " no '' answer because it would stop the " re-rate '' of the mortgage. 
Our attorney told us to do exactly what they advised and he would then file a XXXX XXXX when the new paperwork was closed. 
The new contracts were closed on XXXX of XXXX with the first payment set up for XX/XX/XXXX of XXXX. We advised our attorney, and he then filed the XXXX  XXXX. 
NOTE : the reason we were victimized by an Identity theft issue and we were seeking remedy from debts we did not owe. We had contacted several attorneys to seek remedy without the XXXX XXXXXXXX, but could not find one who would take the case. We saw the XXXX XXXX as the only way to protect ourselves and our home from the predators. Initially, we had filed to have Freedom Mortgage exempted from the XXXX XXXX. 
Freedom Mortgage immediately began claiming many XXXX  of dollars of arrears which did not exist and started moving payments around, etc. ( we have some documentation of this ). I asked our attorney numerous times to file complaints to the Court, but he said he did not want to start any fights.

after 3 months of this I terminated XXXX XXXX XXXX XXXX  and the retained XXXX XXXX, who had the original case dismissed and filed for a new case number and a different plan. 
Freedom mortgage filed the original false ceficits and new charges in the new case, and has since continued their predatory behaviors. Our new attorney has not filed any actions either so we are stuck, and will probably lose our home which is all we have left. We sold off most of our assets prior to this mess to pay off all our legitimate debts. My wife and I are XXXX XXXXXXXX and this was intended to be our forever home. we stuggled XXXX  years to get to this point and now, if we lose our home we will have nowhere to go. we will be homeless.
Consumer complaint received 2023-11-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Kohls.com card was opened on XXXX XXXX in a different city ( XXXX, XXXX Kohls store south ) with the person opening this card in person, spending {$760.00} without my consent or knowledge of this card. They sent me the actual card in the mail to my address, that is when I knew about the card. 

I called the company on XX/XX/XXXX to request a fraud claim and start an investigation. They told me they would look into it for 30 days and send me the results.

I have requested fraud alerts from the 3 credit reporting companies to be placed on my file and my credit frozen so no cards can be opened in my name without my knowledge.
Consumer complaint received 2024-07-25
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: BARCLAYS BANK DELAWARE (VT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Barclays Regarding XXXX Late Payment Reporting Dear Sir/Madam, I am writing to file a formal complaint against Barclays Bank Delaware concerning the inaccurate XXXX XXXX XXXX XXXX late payment on my Old Navy Barclays credit card account ( Account XXXX XXXXXXXX XXXX. I believe that Barclays has unfairly reported this delinquency, despite having clear evidence that the delay was due to circumstances beyond my control and that I took immediate action to rectify the situation as soon as I became aware of it. 

Details of the Incident : XXXX. Circumstances Leading to the XXXX XXXX : o I recently moved to a new address and changed my email address, which led to a disruption in receiving my billing statements. 
o XXXX to this move and the change in contact information, I did not receive my billing statement for the payment due in XX/XX/year>. 
o As soon as I received an alert from my Experian monitoring program on XX/XX/year>, regarding a delinquency on my account, I contacted Barclays and spoke with an operator ( XXXX XXXX XXXX XXXX ) who informed me of the missed payment. 
XXXX. XXXX XXXX Taken : o Upon realizing the missed payment, I made the full payment immediately on XX/XX/year>. 
o I provided Barclays with proof of my change of address and email, and the payment made to settle the account. 
XXXX. Request for XXXX : o Despite my prompt action and explanation, Barclays has refused to remove the XXXX late payment from my credit report. 
o Given my excellent credit history and the fact that this was an isolated incident caused by communication issues during my move, I believe that Barclays should have taken into account the mitigating circumstances and removed the late payment from my credit report. 

Impact on My Credit : This inaccurate reporting has negatively impacted my XXXX XXXX, which is unjust considering my history of timely payments and responsible credit management. 
XXXX XXXX : I am requesting that the CFPB intervene to have Barclays remove the XXXX late payment from my credit report and ensure that my credit history accurately reflects my payment behavior. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly. 

Yours sincerely, XXXX XXXX