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

I recently looked at my Credit report XX/XX/year>. I saw some hard inquires that do not have permissible purpose. I am concerned about the legality of this action. As far as I am aware, creditors are not permitted to pull a credit report without proper authorization from the individual. If this is indeed the case, I request that you promptly remove this unauthorized inquiry from my credit report. 

Below, I have provided details of the unauthorized inquiry : XXXX XXXX XXXX XXXX , Date of inquiry : XXXX XXXX XXXX, XXXX, XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX , Date of inquiry : XXXX XXXX XXXX  XXXX , Date of inquiry : XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX  XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX , Date of inquiry : XXXX XXXX XXXX XXXX  XXXX, Date of inquiry : XXXX XXXX  XXXX XXXX , Date of inquiry : XXXX
Consumer complaint received 2024-06-06
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)

I am writing to formally dispute an account listed on my credit report by XXXX XXXX XXXX XXXX XXXX. The account details are as follows : XXXX XXXX XXXX XXXX XXXXXXXX I have never engaged in any business with XXXX XXXX XXXX XXXX XXXX and have no contract with this third-party debt collector. Additionally, I was never notified in writing about this debt. If any such notification was sent, please provide evidence of this communication before this account was added to my consumer report without my consent. The presence of this account violates the Fair Debt Collection Practices Act ( FDCPA ). If this account is not removed from my consumer report, I will pursue legal action to protect my rights as a federally protected consumer. 

Furthermore, the account balance listed on my report shows discrepancies. The current balance differs from the original balance, which raises questions about the accuracy and completeness of the information. 

I also question the presence of payment terms listed as " XXXX  month '' on this collection account. This is contradictory, as collection accounts should not have such terms. Additionally, the status " COLLECTION ACCOUNT, past due '' is misleading since I have never opened an account with XXXX XXXX XXXX XXXX  XXXX. 

Please remove and delete this account from my consumer report immediately. There is also a date indicating when the account was supposedly opened, but I have never opened any account with XXXX XXXX XXXX XXXX XXXXXXXX. If you claim otherwise, provide evidence supporting your right to report this information.
Consumer complaint received 2024-06-06
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. (OR)

I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The company sent the statements to the wrong address. I have taken proactive measures to address these discrepancies by contacting the company associated with this account. I am pleased to inform you that after thorough investigation, they have acknowledged the errors and have agreed to update my account and remove the late payments. Here is the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-24
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)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX XXXX XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No.95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX 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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

Account name XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX  XXXX 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 2024-06-24
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. (TX)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency (AZ)

Sometime in XX/XX/2023, I realized a unknown collection account added to my credit report. Grant Mercantile Agency is a collection agency I am unfamiliar with. XXXX XXXX is the original creditor and I have never received a medical bill in my life yet alone been to the hospital. Someone has stolen my identity as well as put numerous unauthorized credit inquiries on my credit.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I XXXX XXXX a XXXX  citizen opened a. Capital one. 360 CD 5 year CD account this past XX/XX/2022 with a 2.40 APY interest rate which was good at the time of opening Know with the federal. Reserve raising the interest rate Capital one is know offering 4.00 and higher rates for a 1 year CD therefore I called a few times kindly asked capital one management if they could please Honor there new much higher rate of % XXXX APY applying the rate to my locked in 5 year CD explained this past XXXX I I had XXXX XXXX  XXXX  to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From USC in which I can supply if requested but they denied raiding my rate. 

I feal this is wrong I am being denied capital ones high % 4.00 APY rate I deposited XXXX XXXX I feal this is unfair capital one is not giving me this rate. 
I have high Medicall bills including a monthly XXXX XXXX XXXX XXXX of {$550.00} I pay as a Individuall I do not have a supplemental health insurence I do not qualify for Medicare I am paying double monthly health insurence premium compared to thousands of. People paying far less with there. Employers group policy. 

I am asking the consumer Finantial protection bureau to please adress if this unfair Rate increase I am asking for applied to my cd account which is offered to. Thousands of capital one  bank denied to. Myself XXXX XXXX  email 1 XXXX phone XXXX Thank you XXXX XXXX
Consumer complaint received 2024-06-06
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. (GA)

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED I HAD FRADULENT ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT AS THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Consumer complaint received 2024-06-24
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-24
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2024-06-24
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)

Because of identity theft and the reporting of inaccurate information, my credit, and my credit reports are discrediting and my credit is damaged, and this is violation of my rights as a consumer and as a Secured Party Creditor, see 15 USC 6802 ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. And I was not contacted by anyone from any agency.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

ALL CURRENT ADDRESSES AND PHONE NUMBERS ARE INCORRECT IN ALL CREDIT BUARUS - remove them and replace them with the XXXX XXXX XXXX correct phone number below. 
I have never lived at reported addresses. The ones I have listed below are accurate and real time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX correct phone number : XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/year> I have I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX # : 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 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX XXXX XXXX  IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft please help me the following does not belong to me/ is inaccurate account type : collection account name : 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
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

In XXXX of XXXX I received a check from the XXXX XXXX XXXX department with a letter stating that my escrow account was already paid. The check, made out to XXXX XXXXXXXX XXXX Department from First National Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX, was returned to me, the homeowner with the letter. I then contacted First National ( my mortgage company ) about double payments. This is when the issues began. When they looked up my account, they could not see double payments. However, because I had the returned check, I gave them the check number and then they could see it. Balances of my escrow of debits and credits were not on and still are not on any of my mortgage statements. I have written 3 letters, spoken with XXXX at XXXX XXXX times, and have been waiting for a letter, or call back with an explanation as to where my escrow money is ( it should have been put back into my account ). This has been an ongoing issue since XX/XX/XXXX when I started making phone calls, sending emails, and writing letters. NOTHING has been done nor has anyone gotten back to me. My statements do not reflect the debit and credit of MY escrow money. I thought that any transactions had to be shown on my statements? I do not know what else to do with this but do know that there was a double payment and I can not see that the money was put back into my account since transactions are not reflected on my statements and no one can seem to tie the check of double payment to my account ON my account but in another system.... What else do I need to do and why are they not getting back to me or showing this information on my account?
Consumer complaint received 2024-06-19
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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "
Consumer complaint received 2024-06-24
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: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.