davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-08-17
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. (NY)

MY NAME IS XXXX XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/year> ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT XXXX # : ITEMS I ASKED FROM XXXX XXXX XXXXXXXXA PROPER INVESTIGATION ON ACCOUNT THAT IAM DISPUTING XXXXPROOF OF PROCEDURE OF INVESTIGATION XXXX.MY WRITTEN CONSENT TO FURNISH MY CREDIT PROFILE NONE OF THESE ITEMS WERE PRODUCED THIS IS WHY THIS ACCOUNT MUST BE DELETED DELETE ASAP THANK YOU It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


15 U.S. Code 16815-2- Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (IL)

I am writing to urgently notify you that I have fallen victim to identity theft, resulting in the addition of unauthorized accounts to my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to correct this issue. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the removal of these fraudulent accounts from my credit report to restore its accuracy.
Consumer complaint received 2024-08-17
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2024-08-05
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. (NJ)

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 account listed without my expressed written consent.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WY)

I have previously filed complaints against my mortgage company/servicer, Nationstar DBA Mr. Cooper/XXXX  XXXX. I have filed complaints which contain up to a dozen various violations and issues. Mr. Cooper associates have failed to answer even one of these issues. At this time, I will focus on one violation, which is providing a fraudulent address for the supposed owner of my mortgage. 
1 ) Nationstar Mortgage DBA Mr. Cooper has provided fraudulent and conflicting information regarding the address of the Assignee/Owner of my mortgage. When XXXX XXXX once again became the Owner/Assignee on XX/XX/XXXX, the recorded Assignment of Mortgage lists an incorrect address for XXXX XXXX. The address is recorded with the XXXX County Clerk as XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This is NOT the address of XXXX XXXX or Nationstar/Mr. Cooper. XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is the address belonging to XXXX XXXX XXXX, as confirmed by Mr. XXXX, who is the Facilities Coordinator of XXXX XXXX XXXX. I am attaching a letter from Mr. XXXX, in which he states that XXXX XXXX XXXX  is the sole tenant of the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am also attaching a letter from Mr. XXXX in which he states that XXXX XXXX XXXX  moved into the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, in XXXX of XXXX. Prior to XXXX, the previous tenent of the building was XXXX. In order for XXXX XXXX/Nationstar DBA Mr. Cooper to legally foreclose, the Assignment of Mortgage which is recorded at the XXXX County Clerk, and shows XXXX XXXX as the owner of my mortgage, must list the legal and correct address for XXXX XXXX, and not that of an address belonging to another tenant of the building.
Consumer complaint received 2024-07-30
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)

I am the author of this complaint and I notice some collections and charged off student loan accounts that are reporting unlawfully. 

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Upon researching and learning about this Act, these student loan accounts should be removed XXXX. XXXX XXXX. XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I was called by someone who said they are representative of Citizens Bank regarding past due commercial/business credit card. The individual ID 's himself as XXXX XXXX XXXX XXXX XXXX called me from a blocked phone number, admitted he was not recording the call, gave no mini XXXX, and refused to provide a contact number for customer service to log a complain until he was pressed for several minutes. When asked why had chosen to break the law and why the harsh tone he repeatedly said " is there anything else you need? ". Not only was this unprofessional but it is very illegal what this individual did. Money was levied from my business bank account and when I communicated about how I am a single father of XXXX children and trying to make it in this economy, XXXX XXXX said " so you chose to prioritize your household bills over the financial institution? '' When I replied " yes ''. He said that was a big mistake and for that he refused to return any of the money taken from my account and refused to work on any arrangement on the outstanding debt. The previous representative who did contact me prior to XXXX XXXX, name is supposedly " XXXX '', also did the same tactic and blatantly told me that it was his decision alone to make on whether the money would be returned to me or if they would work on a payment arrangement. And since I did not return his calls he wouldn't be working with me. I have spent over 15 years of my life doing collections on lines of credit, business cards, retail cards, personal loans, vehicle loans, etc. I never operated this way nor broke any of these laws. This individuals need to be removed from their current role as they still think it is 2009 and you can strong a consumer without any consequence.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MS)

This company is reporting fraudulent inaccurate information on my credit report. 
I've sent several letters to National Credit Adjusters ( NCA ) regarding the accuracy of the {$240.00} collection on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account but NCA hasn't responded.
Consumer complaint received 2024-11-02
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. (AZ)

15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Consumer complaint received 2024-08-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC (TX)

They repeatedly call sometimes more than 5 times a day even if Ive already spoken with someone. They are calling my family members including my ex husband multiple times a month. When I have confronted them about this they say that I put my family members down as a reference which would Have never done. Especially would not have put down my ex husband. They are liars and are too aggressive. I have told them repeatedly that I will pay the debt when I can. I have taken many of their calls so they know how to reach me.
Consumer complaint received 2024-08-05
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. (FL)

According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am required to submit a picture ID, a bill, and a letter from an advocacy group supporting me due to debt bondage related to XXXX XXXX, as defined under XXXX-Debt Final Rule XXXX ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documentation from the list of acceptable items, which, as per the law, only requires two documents. Additionally, I have included all necessary documents, including a victim determination letter in accordance with Rule 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Purchased a product through XXXX but XXXX information was unavailable. 

Contacted Transunion in XX/XX/2024 with no return email or call. Purchased the Transunion product but was unable to logon after purchase. 

Customer service was unable to correct the problem after several calls. 

Transunion did not refund the failed product. 

Attempted to gain access to the account XX/XX/2024 and they stated I had to email copies of birth certificate, drivers license and social security card. No response Attempted same process XX/XX/2024 with no help from customer service but they requested photos of the same documents again. 

I am unable to gain credit for a purchase because Transunion is not showing a credit record and I can not get help from the company.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kentucky Higher Education Assistance Authority (SC)

Kentucky Higher Education keeps reporting incorrect dates of reporting with XXXX, XXXX, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX University 's fraudulent activity. 

I have disputed the dates that Kentucky Higher Education has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. Kentucky Higher Education is using fraudulent activity which unlawful per the Fair Credit Reporting Act.
Consumer complaint received 2024-08-05
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. (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 XXXX XXXX. 

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 "
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. (NY)

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 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX Account name # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  XXXX, Account Name ; XXXX XXXX  # XXXX, Account XXXX : XXXX XXXX XXXX XXXXXXXX, XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX  ( original Creditor XXXXXXXX XXXX XXXX ) # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  ( Original XXXX XXXX  ) # XXXX, Account Name : XXXX XXXX  ( Original XXXX XXXX  ) # XXXX, Account Name XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account Name : XXXX XXXX  : ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX, account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, Account Name : XXXX XXXX  # XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, has violated my rights . 15 U.S.C 1681 Section 602 A. States I have the to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.SC. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

There are late payments reporting on an account on my consumer report that are inaccurate and i would like them to be updated to current. Below that ive attached a direct email from the company of these late payments being update back in may and they are still reporting on my report.

Account Name : XXXX XXXX
Consumer complaint received 2024-08-05
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies in these accounts multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

capital one denied my claim of XXXX with capital one it was for discount tires! They denied my claim for some reason even tho I provided document of the receipt. The tire place wouldnt let me return the tires and wheels even tho it was the wrong size! And the moment I summited all document capital one denied my claim in a couple hours! I dont even know how you can investigate in a couple of hours. Then when I called they proceeded to waste my time and not help me at all! They said I didnt provided the additional document but I have already! And they try to blame me for it! I have all the receipts and everything. I took all my money out from capital one and I wont be using them anymore this is a terrible bank!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 



XXXX XXXX XXXX XXXX *Account only present on transunion* inaccuracy Cares Act- Late payments XXXX, XXXXXXXX XXXX XXXX day XXXX on XXXX XXXX shows different *12 late payment inaccurate Also XXXX XXXX XXXX XXXX  Different account number XXXX XXXX XXXX XXXX 8 late payments XXXX balance Account paid on time XX/XX/XXXX XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX XXXX Shows 3 late payments XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXTransunion Shows 6 late payments XXXX 6 late payments different account number* Inaccuracy