davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding inaccurate information that has been reported on all 3 of my credit reports. The information in question is in violation of the Fair Credit Reporting Act ( 15 USC 1681b ) and the Identity Theft and Assumption Deterrence Act ( 18 USC 1028a ). 


I recently obtained a copy of my credit reports from XXXX, XXXX and Equifax and discovered that there are items listed that do not pertain to me or are misrepresented. These inaccuracies are damaging my creditworthiness and financial reputation, and I believe they may be the result of identity theft or fraudulent activity. 

Specifically, the following items are incorrect : 1. XXXX XXXX account # XXXX ( wrong dates ) 2. XXXX XXXX- account # XXXX ( wrong dates ) XXXX. XXXX XXXX account # XXXX ( wrong dates ) I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to take measures to prevent further dissemination of this false information and to hold accountable any parties responsible for its inclusion on my credit report. 

Additionally, I am writing to formally request validation of each alleged debt they are attempting to collect.Pursuant to the FDCPA, I am entitled to request validation of these debts, including but not limited to : 1. Verification of the amount owed.

2. Proof that they are licensed to collect debts in my state.

3. Documentation showing that they are the legal assignee of the debt. 
4. A copy of the original agreements with my signature, validating that I am legally obligated to pay these debts.

5. Details of the original creditors, including contact information.

Under the FCRA, credit reporting agencies are required to report accurate information on a consumer 's report, also conduct a reasonable investigation of items on a consumer 's credit report. They must promptly delete these inaccurate items from my credit report. Outlined in Section 1681i of the FCRA. 

With this letter are copies of documents supporting my claim. 

Please keep me informed of the progress of your investigation and any actions taken to resolve this matter. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take swift action to address these inaccuracies and restore the integrity of my credit report.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-05-28
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. (FL)

XXXX, XXXX, & Equifax are purposely trying to lowering my credit rating by having the same alleged debt listed twice on my consumer report furthermore I have no obligation under federal law to pay a debt collector until a judgment is issued by a court. This collection has not been filed in any court jurisdiction and the only reason the consumer agencies are reporting this information is because they are paid then they make profits from selling this information to various other third parties. This is illegal because their service is one that is not required and they need written or expressed consent which I have not given. This is a legal notice to remove this collection or I will sue under FCRA and file arbitration based on the service agreement.
Consumer complaint received 2024-05-28
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. (FL)

XXXX, Experian, & XXXX continue to report a child support collection without providing me with the documentation or the persons name who they spoke with that verified this information. I contacted the child support office and they stated that did not report this account with either consumer agency and it is widely known that each consumer agency sells consumers data for profits to solicit business from other companies this is illegal because they do not have my consent and by reporting this information it is causing me to be denied credit which is a violation of my consumer rights.
Consumer complaint received 2024-05-26
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. (FL)

I have reviewed my consumer reports and notice that I have XXXX XXXX  payments on the account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy, I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XX/XX/XXXX ) ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact they we're never late. Thanks. Please see screenshots attached :
Consumer complaint received 2024-05-26
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. (GA)

Recently I looked at my credit report, and I noticed several inaccuracies with XXXX of my accounts. This account is reporting late payments and different dates for date opened XX/XX/2022, and XX/XX/2022. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need these lame payments removed or delete this account from my credit score. Account Name : XXXX  Account Number : XXXX In accordance with The Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights 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.
Consumer complaint received 2024-05-14
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. (TX)

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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX ( an original XXXX XXXX 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 2024-05-26
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)

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2024-05-14
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. (IN)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/year> I found a hard inquiry from XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. I called them and explained that I never applied for credit. I demanded that they provide details and they refused. They suggested I complain to TransUnion and the FTC.
Consumer complaint received 2024-05-26
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. (GA)

Recently I looked at my credit report, and I noticed several inaccuracies on one of my accounts. These inaccuracies are severely hurting my credit score and my ability to obtain credit. In accordance with The Fair Credit Reporting Act XXXXXXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A states section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (RI)

I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2018-01-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (WI)

I leased a new XXXX Chevy Equinox at XXXX XXXX in XX/XX/XXXX with my husband. We financed through GM Financial. The first complaint is that I receive the bill in the mail on the XX/XX/XXXX of the month and the due date is the XX/XX/XXXX!!! This is ridiculous. They will not help me change the date I receive the bill. The NEW problem is that for some reason our monthly bill comes only to my husband and not in both names. This has been OK and we just pay it. On Saturday TWO bills came for the same amount. One in his name and the other in mine!! I have called XXXX XXXX of XXXX and nobody will return my call. I have left voice messages as well as spoke to someone who said they would personally give it to the financial officer. I have been calling the GM Financial Service # XXXX ALL DAY today. I get a message saying that they have an overwhelming amount of calls and then it disconnects!!! EVERY TIME. I will not have my credit ruined by this horrible company because they double bill me and will not take my calls. I need help.
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On the evening on XX/XX/18 my Chase debit card and my Chase Sapphire card were stolen from my wallet. They were replaced with decoy cards that looked like them, but they had a different name on them. My phone was also stolen along with them. I didn't notice as I was out having dinner but paying cash the entire time, and it appeared to me as if the cards were still in the wallet. I just assumed I had my phone stolen. They were then able to call Chase bank and have my ATM limit raised. They then took out {$2000.00} dollars in four separate ATM transactions. Two of them for {$800.00} and two of them for {$200.00}. The person who stole them then went to a place called XXXX XXXX XXXX XXXX and made two separate purchases for {$2200.00} and {$2600.00} respectively. They also made purchases for {$20.00} and {$75.00}. All of these happened after XXXX on XX/XX/18. My account was almost entirely cleaned out by this. I informed the bank the next morning. I filled out a police report and an insurance form for a new phone the next day when I noticed. I have gone through this several times for several weeks with a banker for them. Finally they resolved to not credit me with any of my money back. I am attaching all files that were sent to me by the bank. The police report is also attached.
Consumer complaint received 2018-07-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am writing to you today so that I may receive some assistance regarding my mortgage with Mr. Cooper, previously known as Nationstar. I have two ( 2 ) complaints that I would like to seek some resolution with or at have least addressed.

( 1 ) In XXXX, I took part in the HAMP program. At this time, I had been divorced from my husband since XXXX, as part of our divorce decree I was mandated to seek financing that would remove him from the mortgage. I explained this to my Nationstar mortgage consultant who helped me obtain my HAMP. It was expressed to me that this could be accomplished, but that I would have to provide ; copies of the divorce papers, and that we would only use my income for this to happen. I also believe that my ex-husband had to sign a notarized statement stating that he no longer was responsible or had an interest in the said property. All of this was complied with. So, I was very shocked to find out last year that he was still listed as a co-borrower on my mortgage, and he was even more distressed than I. I dont understand how this can go both ways. Either he should have had to sign and show proof of his income also in order to be part of the program or he should have been removed. I dont believe you are legally able to modify a loan agreement and exclude a party. I would like his name removed as co-borrower. 
( 2 ) HAMP, pay-for-success incentive program. I did receive a letter from Nationstar regarding the requirements for this program I had complied with all of the components of the program to receive the incentive. Basically, you need to be in good standing, not paid off the loan. However, there is also a document that need to be signed a form XXXX. Nationstar provided me with this form in XX/XX/XXXX. As the time approached to submit the form in a timely manner I was in daily contact with Mr. Cooper, because my ex-husband really wanted me to get his name off my loan ( as referenced above ). I brought this letter to my Mr. Cooper representative a. Because the deadline was approaching to submit the form, and b. Because I told him I would like to postpone the refinancing process, in order to collect the incentive. XXXX XXXX told me that I had already received any incentive that I had coming to me and that I should not submit the form. I am not saying that he was trying to deliberately misinform me but by relaying improper. information to me he in fact did. I know that Mr. Cooper records conversations so I would believe that they have this conversation saved. I would like to show by providing the amount of emails sent to me from Mr. Cooper and/or representatives of Mr. Cooper from late XXXX until XX/XX/XXXX, with no mention of this form XXXX or additional incentives available to me that they did not provide timely information regarding this program. 


Thank you
Consumer complaint received 2024-06-28
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. (LA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX and I have not yet received a response.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I filed a dispute with Equifax through certified mail. Equifax didnt not start the clock on my dispute. What Equifax did was ask me to verify my correspondence which is a delay tactic. My documents were notarized with drivers license presented with the notary. All verifying information was provided to equifax! Equifax didnt start my request. Equifax wrote me to my home address so they knew what XXXX XXXX lived at that address. Equifax said they couldnt find a credit report for me and instead of removing unverified item. Equifax asked me to help find my credit report. These tactics are not called for! If equifax cant find my credit report then why are they able to have unauthorized access to submit unverified account information from second party reporting agencies that I gave no permission to share anything about me? Equifax has not open a dispute. I would like second party XXXX XX/XX/XXXX, XXXXXXXX XXXX to provide verification, authorization along with equifax!. This is one of  many violations that Equifax continues to get away with. Constant violations of my Fair credit rights. The account in question is reporting several different variations on months on the different credit bureaus. Variations of month and date of reported 30 day late payment from XXXX XXXX isnt consistent with the 3 credit bureaus. This tells me the second party credit reporting agencies have provided Equifax wrong information that has not been verified. 3 different secondary results. Equifax is allowed to report unverified information to consumers credit report time and time again. Whatever the secondary says goes and Equifax doesnt go beyond secondary results! I gave Equifax no permission to violate my consumer credit report in this manner of reporting.
Consumer complaint received 2016-09-12
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NE)

I have a money order drawn on Wells Fargo Bank an no one will cash it. My bank sent it back to me no account found ... .it is dated 2005 ... but from what i read online and what is on the back of the check there is a fee for cashing it ... .which is fine ... but the bank was given the cash to send it to me ... .so someone has the money but at this point seems like profit to them since they wo n't pay me the rightful owner ....
Consumer complaint received 2016-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Continental Services Group, Inc. d/b/a ConServe (MA)

Conserv, the organization servicing the DOE loan I took out for my daughter 's college education, had agreed, in writing, to a revised monthly payment of {$260.00}. I authorized automatic deduction for my bank account and the payments were deducted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was deducted for XX/XX/XXXX, and when I tries to find out why, I got the run-around, among other things, being referred to a number of different persons who did not know what was going on. When I finally do reach someone with the correct information, I was informed that Conserv had decided to increase the monthly payment to {$300.00}. I had received no correspondence to this effect nor have I received any written justification as to why the payment was increased. Now, they are claiming that I am delinquent on my XX/XX/XXXX payment. They had the authorization to deduct the agree-upon {$260.00}, but chose not to. I suggest that both Conserv 's arbitrary increase of the monthly payment and their classification of the loan as delinquent are improper, and their collection practices should be investigated.
Consumer complaint received 2024-05-25
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. (NC)

XXXX, XXXX and Experian are all reporting my bankruptcy on my credit reports. Per uscourts.gov, bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.
Consumer complaint received 2024-05-14
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. (OH)

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.