davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report and found this item to be inaccurate. 
Please delete all the late payments from this account. My account has never been late.

This is my 2nd attempt to get this item updated on my credit report. Please send me a copy of the investigation completed with my original contract for this company. If you are not able to send my original contract, then delete any, and all late payments. If my file is not updated, you will be in violation of the FCRA as follows.

Under 12 U.S. Code 1681a ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. An item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on results of the reinvestigation, and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX 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: EQUIFAX, INC. (GA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer. 
Account Name : XXXX XXXX XXXX Account Date : XXXX XXXX Account Amount : {$7000.00} Account Name : XXXX XXXX XXXX Account Date : XX/XX/year> Account Amount : {$940.00} You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of notice. I look forward to your response. 



Thank you Resolution I want the transactions blocked and deleted from my consumer report.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-04-01
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. (IN)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2024-06-04
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. (CO)

XXXX : OPTING OUT OF CREDIT REPORTING FOR XXXX XXXXXXXX ACCOUNT # XXXX I am writing this DEMAND LETTER to FORMALLY OPT OUT of any credit reporting for the account XXXX XXXXXXXX XXXX XXXX XXXX consumer credit reports. THIS REQUEST IS NOT A VERIFICATION OF ACCOUNT! THIS LETTER AND COMPLAINT ARE SOLELY REGARDING MY LEGAL RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORTS. 
Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), I am REVOKING any power of attorney XXXXXXXX XXXX had or has regarding my personal, private information. According to 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, as a FEDERALLY PROTECTED CONSUMER, I HAVE THE RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORT. This letter serves as a CLEAR AND CONSPICUOUS NOTICE of my opt-out request. 
As per 12 CFR 1016.7 ( g ), YOU MUST COMPLY with a consumer 's opt-out direction as soon as reasonably practicable after receiving it. Section 12 CFR 1016.7 ( h ) states that a consumer may exercise the right to opt out AT ANY TIME. Additionally, 15 U.S. Code 6802 REQUIRES the company to provide me with an opt-out notice regarding disclosures of personal information, WHICH I HAVE NEVER RECEIVED. 
Under the Consumer Financial Protection Act of 2010 ( 12 U.S. Code 5511 et seq. ), this subchapter and the regulations prescribed are ENFORCED BY THE BUREAU OF CONSUMER FINANCIAL PROTECTION. I am EXERCISING MY RIGHT TO OPT OUT OF ANY REPORTING on my credit report, and XXXXXXXX XXXX MUST COMPLY as soon as reasonably practicable after receiving this notice. 
Given that XXXXXXXX XXXX has provided UNREASONABLE MEANS TO OPT OUT, I am submitting this OFFICIAL OPT-OUT LETTER in writing. Additionally, I REQUEST THAT ANY NEGATIVE MARKS related to this account be REMOVED FROM MY CREDIT REPORT until this matter is resolved. 

It is the obligation of the credit reporting agencies to uphold and abide by consumer law by removing negative items from my credit reports when advised to do so by the consumer! 
THIS IS NOT A REQUEST FOR VERIFICATION OR VALIDATION OF ALLEGED DEBT. THIS IS A DEMAND FOR THE REMOVAL OF NEGATIVE ITEMS ON CREDIT REPORTS.
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: EQUIFAX, INC. (NY)

I recently received a copy of my credit report and noticed some errors. I've highlighted them in the attached copy for your reference. Here 's what I found : 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 I'm requesting the removal of an inaccurate inquiry from my report regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, I'm asking for an investigation into these items and their removal from my report. I understand that you'll need to verify these with the creditors who posted them. Please remove any information that can't be verified by the creditor. I'm aware that under 15 U.S.C. Sec. 1681i ( a ), you have 30 days to complete this reinvestigation upon receiving this letter. Thank you for your attention to this matter.
Consumer complaint received 2024-06-04
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. (MA)

Dear CFPB, I am writing to formally dispute the inaccurate and unauthorized information present on my credit report. My dispute letters have been created using accessible software available to everyone. Refusing to process or address my letters violates 15 U.S. Code 1681i. It is unlawful to delay processing consumer letters based on an assumption of third-party assistance, as this does not qualify as a legal exception.

I am the sole author of my letters, or they have been written with my full knowledge and consent by my advisors. There is no requirement for a Power of Attorney to process consumer letters. Any failure to process my letters promptly will be seen as a deliberate disregard for my consumer rights, and I will pursue legal action.

According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being used by creditors. The allegations of delinquency and derogatory information against me are false, and I will not tolerate misinformation affecting my financial history. These allegations do not meet federal or state reporting requirements and can not be substantiated. 

The XXXX data breach has led to fraudulent items appearing on my credit report, which I do not recognize. I did not authorize the sharing of my non-public information. Reporting this information is neither fair nor equitable as per 15 USC 1681 602 ( a ), which guarantees my right to privacy. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

Per 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years, except for criminal convictions. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing information known to be inaccurate.

I request documented validation of the authenticity and lawful use of the information on my credit report. As per the Fair Credit Reporting Act and 15 USC 1681 604, all users must have a legitimate purpose for accessing consumer reports. My report contains inaccurate personal information, late remarks, and unauthorized inquiries.

This notice serves to inform you that any delay in processing my letters will be viewed as a violation of 15 U.S. Code 1681i, and I will seek legal recourse. The accuracy and compliance of your data are your responsibility. Please ensure that all claims are accurate and reported in the appropriate format as mandated by the FCRA and XXXX XXXX standards. 

I expect this matter to be handled with the utmost care and diligence.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-06-08
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)

I am using my right to request an investigation and dispute these accounts, as they are wrongly listed on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccuracies on a consumer 's credit report.
Consumer complaint received 2023-09-18
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc. (NV)

Obtained mortgage on XX/XX/XXXX from XXXX XXXX XXXX. They sold loan to XXXX on XX/XX/XXXX. XXXX assigned servicing to XXXX XXXX XXXX on XX/XX/XXXX. Now they assigned servicing to Mr. Cooper effective XX/XX/XXXX. I issued check XXXX  XXXX on XX/XX/XXXX to Mr. Cooper. Apparently, the check has not been processed ( under the prompt crediting rule ) On XX/XX/XXXX, received call from Mr. Cooper Loans ( XXXX ). Voice message stated this is Mr. Cooper debt collection. Call XXXX within XXXX XXXX must use personal code : XXXX XXXX. 
On XX/XX/XXXX, received the above same message new code XXXX. 
On XX/XX/XXXX, called Mr. Cooper and spoke to XXXX XXXX about above. She stated their records does not show receipt of payment. I advised mail had not been returned so they are in receipt of payment but have not processed. Her only advised was to contact my bank! ( What would that accomplish if they failed to process check? ) I have never had XXXX XXXXXXXX calling me and do not want this to continue!
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: EQUIFAX, INC. (MD)

I am writing to urgently seek your intervention regarding significant and ongoing violations committed by XXXX, XXXX, and Equifax. These credit reporting agencies have breached several federal regulations, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These breaches have severely impacted my credit profile and financial standing.

The specific issues are as follows : 1. Reporting of Inaccurate Information : * My credit reports contain numerous inaccuracies, such as incorrect late payment records, erroneous account statuses, and inaccurate balances. 
* The agencies have failed to update my address, despite my explicit instructions that I have only one address.

* My name appears with multiple variations, although I have provided the correct spelling.

2. Violation of Legal Standards : * According to 15 USC 1681, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' * My right to have accurate and consistent credit reports across all three bureaus has been disregarded.

3. Lack of Response and Rectification : * Despite numerous requests for corrections and updates, the credit reporting agencies have not addressed the inaccuracies.

* I have requested written communication confirming the updates to my profile, but my requests have been ignored.

These ongoing issues have caused significant distress and financial harm. The inaccuracies on my credit report affect my ability to obtain credit and can lead to higher interest rates or denial of credit, which is both unfair and unlawful. 
I urgently request the CFPB to take the following actions : XXXX. Investigate the non-compliance of XXXX, XXXX, and Equifax with the FCRA, XXXX, Privacy Act of 1974, and XXXX. 
XXXX. Ensure that all inaccurate information on my credit reports is corrected promptly. 
XXXX. Mandate that the credit reporting agencies provide written confirmation of the corrections. 
XXXX. Hold these agencies accountable for their negligence and disregard for consumer rights. 
I trust that the CFPB will act swiftly to uphold its mandate of protecting consumers and ensuring that these credit reporting agencies comply with federal laws designed to protect our rights and financial well-being. Your immediate attention to this matter is crucial and greatly appreciated. 
Thank you for your prompt assistance.
Consumer complaint received 2024-06-08
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX  Balance Owed : {$360.00}
Consumer complaint received 2024-06-08
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. (WA)

I had a lease with the XXXX XXXX and got involved into a fraudulent activity, as a result there is a legal case at Department Of Justice and I'm officially a victim. XXXX already removed the XXXX XXXX account from report, but Equifax and XXXX are not. It's illegal to report any fraudulent accounts on any credit reports. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (NC)

In my FTC Identity Theft Report, I would like to address the hard inquiries on my credit report. These inquiries were not authorized by me and are negatively impacting my credit score. I am requesting that these inquiries be removed promptly to restore my credit to its accurate state. Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, the bank tried to repo my class XXXX XXXX  that I have already paid in full. The repo guy with XXXX XXXX XXXX XXXX hitched and lifted the XXXX with me & my XXXX young kids were in the back, they fell and hit their heads and now they are COMPLETELY TERRIFIED. This is clearly disturbing the peace. I have footage of the whole situation. Other identifying numbers on his vehicle XXXX XXXX XXXX XXXX. On top of the that, I've mailed them multiple negotiable instruments and they have received them all and processed it however, still not crediting the account properly. According to the XXXX XXXX XXXX, Bank of America is breaking all laws in Article XXXX. I've notified the IRS already with a XXXX Bank of America is still in non-performance. I've filed certain documents already with the IRS as well as XXXX. This is pure greed. The account is no longer on my account when I login, which means this has been CHARGED OFF, which means XXXX What are you the bank still doing trying to repo the vehicle ( when it's already tendered for full satisfaction ) and selling it for more proceeds on top of the monthly interest you have been collecting when selling the contract on the secondary market. The XXXX number that I have is proof that you guys are making millions off of the pool of contracts that have been resold on the secondary market. Bottom line, is this vehicle is paid in full. Why are you doing consumer 's dirty trying to repo.
Consumer complaint received 2024-06-05
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX - XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

IT IS TIME FOR THE CFPB TO ENFORCE A HUGE FINE ON BANK OF AMERICA FOR LYING CALLING NEW COMPLAINT WITH NEW DETAILS ( A DUPLICATE ) THEN WHEN I CALL TO INQUIRE THEY LIE AND SAY NOTHING COMES UP DESPITE FOR XXXX YEARS WHEN I CALL MY XXXX  XXXX  XXXX COMES UP AND ARE RECOGNIZED BY THEIR SYSTEM IS CLEARLY MORTGAGE PLANNED AND CARRIED OUT FOR XXXX BY EMPLOYEE XXXX XXXX , A CRIME IGNORE AS A DUPLICATE, BELOW. 

BOA PLEASE ANSWER TRUE OR FALSE, ON XX/XX/2023 AT XXXX FOR 27 MINUTES I SPOKE TO IN YOUR MORTGAGE DEPARTMENT XXXX XXXX WHOM STATED TO ME- XXXX XXXX A GUY NAME XXXX XXXX OF XXXX XXXX ARE LYING SAYING XXXX XXXX HAS CLEAR TITLE BUT ARE NO CLEAR TITLE IN THE FILE AND THEY ARE USING YOUR LOAN XXXX ATTACH TO A LOAN XXXX FOR XXXX TO XXXX XXXX XXXX  XXXX 

TO BANK OF AMERICA XXXX OR NO? 


POLICE CONTACT UNDER REPORT # XXXX DETECTIVE XXXX XXXX XXXX. 

XXXX IDENTITY THEFT FRAUD CLAIM NUMBER XXXX UNDER XXXX. 

TO BANK OF AMERICA TRUE OR FALSE?