davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I have sent XXXX, XXXX, and Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the neccasary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immidiatly also I have fraudlent inquries appearing on my credit report as the following goes. XXXX XXXX XXXX XX/XX/year> Remove all of the fraudlent and inaccurate data from my report you're commiting a willful FCRA violation and I am tired of you not taking me serious especially when I sent a FTC report plus the correct reports for the bankruptcy.
Consumer complaint received 2024-07-12
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: Experian Information Solutions Inc. (VA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-12
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. (TN)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-07-12
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. (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 information is inaccurate.
Consumer complaint received 2024-07-12
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. (TX)

PLEASE DELETE THE FOLLOWING XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Account Number : XXXX EXPERIAN XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-07-12
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. (PA)

To whom this may concern, my name is XXXX XXXX XXXX and I've decided to write this statement on my own behalf. Per 15 USC 1681-2 ( a ) ( 1 ) ( a & c ) as well as 15 USC Code 1681-B and 15 USC 1666 of the Fair Credit Reporting Act, the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the federal codes listed above, specifically summarize and outline that these accounts should be removed and deleted from my reports immediately. The mentioned accounts violated my rights as a federally protected consumer by not having permission to report the information they've reported to the credit bureaus. These companies never received my permission to report anything on my reports. No consent constitutes identity theft. As a federally protected consumer, I demand the deletion and removal of all the listed accounts immediately.
Consumer complaint received 2024-07-13
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. (DE)

I have explained that this account doesn't belong to me and how it is hindering from me from applying for new credit. It is against the law to provide inaccurate information to the credit bureaus and to make payment transactions visible to the public. Please remove this account at once.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This CFPB Complaint is being filed due to Equifax not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate ( Field 18 ) payment status information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the Better business Bureau in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (FL)

I asked for a debt validation letter to prove if the debt was purchased by NCB from the original creditor and they were legally able to collect on said debt. Also I asked for proof with my wet signature the validity of the debt that they are currently reporting negatively on my credit report as if I had a contract or legal obligation to them. I have yet to receive this validation. They continue to falsely report inaccurate information on my credit profile monthly in an attempt to collect on an unvalidated debt. Violating ( FCRA ) 15 U.S.C. 1681
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (OR)

Mortgage has been sold to upwards of seven different lenders XXXX XXXX - unable to provide a correct payoff amount ( requested by consumer and attorney close to two years ago ), provided the wrong amortization schedule, refused to refinance despite over 50 % owner equity in the home which could be used to refinance, never responded with a correct amount for payoff, refused payments, unable to access their online portal due to loan status, sold the mortgage back to a previous lender ( Shellpoint/NewRez ) Shellpoint - Recently acquired the mortgage ( XX/XX/year> ). Increased the amount due on statements by close to {$15000.00}, took over seven days to provide a payoff amount of which is over {$120000.00} more than any statement received, no response in a week to attorney 's request for itemized explanation of the significant increase in amount owed for the payoff. 

Concerns about the multiple changes in mortgage companies and potential for additional fees that may not have been clearly disclosed. Concerns about ownership of the various companies and present/past relationships between the companies. 

There appears to be a lack of disclosure of consumer information which the consumer has the right to have disclosed. 

There appears to be an attempt to acquire the property without offering opportunities to make payments which reduces options to refinance ; undisclosed and unexplained changes in consumer debt which is close to an increase of close to 1/2 the total amount of the loan ; lack of responses to emails, phone calls that either do not go to a person or require hours of hold time, disabling access to online lender portal reportedly due to status of the account, refusal of payments. 

Potential for financial profit for lender is very high due to property value and equity in the home.
Consumer complaint received 2024-09-16
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. (GA)

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681C-2 ) that you, XXXX CREDIT REPORTING AGENCY, block information Appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal credit card account Opened on XXXX XXXX at XXXX XXXX Under the account number below, and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> below. A personal loan account opened at XXXX XXXX XXXX  on XX/XX/year> under account # below and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX that appears related to the aforementioned personal loan account opened XXXX. Validate Account XXXX XXXX  XXXX Remove 2.Validate Account XXXX XXXX XXXX Remove 3. Validate Account XXXX XXXX Remove 4. Validate Account XXXX XXXX XXXX XXXX Remove ReMOVE 5. Validate Account XXXX XXXX XXXX Remove These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my FICO Credit Report I've attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned. Fraudulent Items I do not recognize the aforementioned accounts, collections, or hard inquiries. As reported the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you. Were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint private case number. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address : XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Bank of America Team, Cc : CFPB Team, I am writing to express my serious concern regarding XXXX accounts reported by your company on my credit report, which were allegedly opened in XX/XX/XXXX and XX/XX/XXXX. I have already filed an FTC Identity Theft Affidavit and submitted other documents, yet I am still not aware of these accounts. Despite my disputes with the credit reporting agencies, your assertion of the validity of these accounts has been upheld. 

I want to clarify that I have no knowledge of or engagement with your company or any original creditor associated with these accounts. The inaccuracies in reporting these accounts appear to be a result of fraudulent activity and constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I request the following documentation : Proof of Debt : Provide evidence of the alleged debt, including any contracts or agreements bearing my signature. 
Authorization : Evidence of your authority to collect this alleged debt under 15 USC 1692 ( e ) and 15 USC 1692 ( f ).

Legal Basis : Documentation detailing the legal basis for your collection of this information and the alleged debt. 
Operational Authorization : Proof of your authorization to operate in my state.

Account History : A complete account history, including any collection-related charges.

Additionally, I am filing a formal complaint for violations of my consumer rights under the FCRA and FDCPA. Under 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) requires written instructions before any account can be furnished. Consequently, I demand that all communication and collection activities related to these accounts cease immediately. Furthermore, I request the deletion of these accounts from my credit report due to their unrecognized status and the absence of any contractual obligations.

Your actions have violated the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I expect the immediate deletion of these accounts from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial wellbeing, and I anticipate prompt rectification of this issue.

Thank you for your attention to this matter.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Bank of America Team, Cc : CFPB Team, I am writing to express my serious concern regarding two accounts reported by your company on my credit report, which were allegedly opened in XX/XX/XXXX and XX/XX/XXXX. I have already filed an FTC XXXX XXXX XXXX and submitted other documents, yet I am still not aware of these accounts. Despite my disputes with the credit reporting agencies, your assertion of the validity of these accounts has been upheld. 

I want to clarify that I have no knowledge of or engagement with your company or any original creditor associated with these accounts. The inaccuracies in reporting these accounts appear to be a result of fraudulent activity and constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I request the following documentation : Proof of Debt : Provide evidence of the alleged debt, including any contracts or agreements bearing my signature.

Authorization : Evidence of your authority to collect this alleged debt under 15 USC 1692 ( e ) and 15 USC 1692 ( f ).

Legal Basis : Documentation detailing the legal basis for your collection of this information and the alleged debt.

Operational Authorization : Proof of your authorization to operate in my state.

Account History : A complete account history, including any collection-related charges.

Additionally, I am filing a formal complaint for violations of my consumer rights under the FCRA and FDCPA. Under 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) requires written instructions before any account can be furnished. Consequently, I demand that all communication and collection activities related to these accounts cease immediately. Furthermore, I request the deletion of these accounts from my credit report due to their unrecognized status and the absence of any contractual obligations.

Your actions have violated the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I expect the immediate deletion of these accounts from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial wellbeing, and I anticipate prompt rectification of this issue.

Thank you for your attention to this matter.
Consumer complaint received 2023-12-23
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. (MS)

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 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 2024-07-16
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Spoke with XXXX representatives from Columbia Debt Recovery LLC dba Genesis neither representative verify my identity prior to release private information. They are collecting on debt regarding rent owed to greystar for the XXXX XXXX. Upon final month move out my rent was paid on XX/XX/XXXX. Allegedly the funds NSF XX/XX/XXXX I was not made aware of NSF at turn in of my keys on XX/XX/XXXX even after clarify everything was clear for move out. I explained to the rep that I was never given a fair opportunity to resolve this matter and just thrown into immediate aggressive recovery more than 1 month after move out. I offered to pay the owed balance of {$990.00} to satisfy the debt but refused to pay the added fees as I felt they were excessive and unwarranted given the circumstances. I did contact my bank that told me they dont have a failed transaction and at the date I would have made the payment my balance was sufficient to cover the charges. I offered the same to the representative from Genesis the representative declined the offer. I did tell the representative I was disputing the charge and with my dispute also confirmed that the item was not reported to my credit. The representative threatened continued collection actions and told me that they would report the item to my credit regardless of my dispute status on XX/XX/XXXX. I expressed that this call was recorded as she mentioned and neither rep verified my identity and she was violating collection laws and threatening with credit reporting and for that I would have to seek legal action if they continued.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

While on a XXXX XXXX cruise XXXX purchased a ring that was being shipped to me. On XXXX went back to merchant to cancel the order. They told me to contact my credit card company, Charges landed on my accounts XXXX and I disputed the charge. 
XXXX charges removed pending investigation. 
XXXX XXXX XXXX called wanting to send me the ring. I told them no I wanted the sale cancelled. 
XXXX dispute denied. No investigation was done. 
XXXX XXXX XXXX called again wanting to send the ring. Again I said no. 
XXXX was never received XXXX dispute filed again. 
XXXX email from BOFA XXXX received letter dated XXXX from BOFA requesting additional info. 
Sent requested info via internet on XXXX A letter dated XXXX denied the dispute a second time
Consumer complaint received 2024-07-16
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. (CA)

Hi, Experian.com changed my login email address to a fraudulent person 's email address and now my credit account is under the monitoring of the fraudulent person which they used to apply for a new credit card a dozen times. I have to call each credit card company to stop the application process and remove the hard inquiry from my credit records. 

I asked the company to change back my login login account and reset the login password by writing them the letter twice. In the letter, I included my driver license, SSN, and utility bill and a requirement to reset the account login username with correct email address. but they ignored my numerous email and mail requests. 

they changed my login email address for 3 years and I am unable to get them resolve this problem. Also, I called and unable to reach any real person to talk. See the attachment. 

can you please help me about what steps I can do?
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (IN)

XX/XX/XXXX XXXX I completed the payment loan in full, on the year XXXX XX/XX/XXXX a payment was due and was paid on XX/XX/XXXX a 33 day late post something was wrong with the autopay with the updated banking account, I called to explain the issue but they didnt get the payment correct on their system update, I would like to please, please remove this off my credit report