davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One allowed fraudsters to access my account sic times in a one-week span by allowing XXXX authentication to any phone number in the XXXX, regardless of XXXX that phone number is registered to the account or registered to me by the XXXX. The fraudsters then change the phone number and e-mail address to their address, thus completely locking me out. 

Now, I don't have access to the online account nor any statements or transaction data. Yet, Capital One drafted my bank account for {$4100.00} on XX/XX/23 for the credit card payment. My account is set to auto draft for the full statement balance. I have no way of changing that. I have no way of knowing the statement balance or any transactions. Someone just runs transactions on my account. I have no way of knowing it. I make the payment and I have no way of stopping it.
Consumer complaint received 2024-07-08
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. (GA)

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are XXXX inquires on my credit report that I did not authorize. The first is an inquire I received from XXXX XXXX XXXX ON XX/XX/year> and the second inquire being XXXX XXXX XXXX on XX/XX/year>. I DID NOT authorize any of these inquires on my consumer report. Furthermore the XXXX XXXX XXXX negatively affected my score causing it to drop down XXXX points. I have attached a correspondence I received from XXXX of them notifying me that my XXXX score decreased XXXX points. This occurred on XX/XX/year> the same day that the XXXX XXXX XXXX inquire showed up on my credit. Furthermore the FCRA proclaims that if I did not authorize this on my consumer report it must be removed. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) As u can see the FCRA states clearly that if a consumer does not authorize the reporting of an item to their consumer report it must be removed. I am demanding that these XXXX inquires in regards to XXXX XXXX XXXX  and XXXX XXXX XXXX be removed from XXXX XXXX XXXX XXXX XXXX file immediately.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Greetings! I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. The accounts in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the Experian, XXXX and XXXX Bureaus to remove these specified accounts below : EXPERIAN : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX  XXXX Account Balance {$15000.00} XXXX : XXXX XXXX XXXX Account Balance {$15000.00}
Consumer complaint received 2018-05-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

According to my research, I have been experiencing a lot of issues concerning the alleged third party debt collector ( Mr Cooper aka NationStar Mortgage, Who I do not currently have a valid contract along with XXXX XXXX XXXX, XXXX. I'm currently in active XXXX  during XX/XX/XXXX to current status until XX/XX/XXXX, I recently receive a foreclosure notice from Foreclosure law firm XXXX XXXX XXXX , XXXX, for XX/XX/XXXX, which I'm currently still in bankruptcy. I would like for the foreclosure law firm to be fully investigated according to Ultra Virus 9-203 and Theft by Deception under 7-105, and violated FDPCA, according Fair Debt Practice Credit Act. violated my equity rights to the property. I recently filed a complaint in XXXX  XXXX XXXX Court to vacate the stay due to bankruptcy status. Based on alleged Mr Cooper aka Nationstar Mortgage. I have also send numbers of debt validation and QWR ( Qualified Written Response and UCC-9-210 PROOF CLAIM ).
Consumer complaint received 2024-05-01
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania Date of Birth XX/XX/year> SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern : I received a copy of my credit report recently due to curiosity of what exactly is holding me back from reaching a better credit score and come to find out there are a number inaccuracies on my credit report. These inaccuracies are taking a toll on my lively hood, preventing me from bettering the life of myself and my family. 

XXXX. After doing research for myself I demand these accounts be removed immdeitly and treated as an exigent situation. This is a violation under 15 U.S.C 1681 e whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. 

Account Number : XXXX XXXX is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account XXXXXXXX XXXX XXXXXXXX is in violation of 15 U.S.C 1681 e please delete immediately Account XXXXXXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXXXXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX XXXXXXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXXXXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately By the provisions of the Fair Credit Reporting Act, I order that these accounts be investigated and removed from my report. From my apprehension you will recheck these following items with creditors who has posted them. Please remove any information that the creditor can not authenticate. I understand that under 15 U.S.C sec. 1681 I ( a ) you must complete this investigation within 30 days of receiving this letter Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to any person who received my credit report in past XXXX mounths. 


Sincerrely, Signature XXXX XXXX
Consumer complaint received 2024-07-09
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-05-23
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-07
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-09
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. (VA)

I was looking over my consumer report and found hard inquiries that I do not recognize. Please take these inquiries off my report. Here are the inquiries I do not recognize : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX via dealer. 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX. 11. XXXX XXXX 12. XXXX via XXXX XXXX 13. XXXX 14. XXXX via Transunion interactive 15. XXXX via XXXX 16. XXXX XXXX XXXX XXXX 17. XXXX 18. XXXX via XXXX XXXX 19. XXXX XXXX XXXX 20. Transunion XXXX 21. XXXX XXXX XXXX 22. XXXX XXXX XXXX 23. XXXX XXXX 24. XXXX XXXX XXXX 25. XXXX XXXX 26. XXXX 27. XXXX via XXXX XXXX XXXX 28. XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX XXXX 33. XXXX XXXX XXXX 34. XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Mountain America credit union has counted 6 lates on my HELOC. 5 are not lates and I had the amounts paid. I have been current the whole time and they refuse to acknowledge on notes or with a letter that it is not late even though on the phone they explicitly tell me I am caught up and do not owe anymore. 
I have sent in disputes and screen shots. they have been horrible to work with I asked for information and call back and they ignored me and would not return any calls.

I got ahold of a manager who clearly stated I was not late for XXXX however to credit bear is showing I am late bu they say I am not and I was not late t ll. this was for XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-07-09
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. (RI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

i recently checked my credit report and i see hard inquiries for credit that i did not authorize. 
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 XXXXXX/XX/24 I have included police reports because these are unauthorized and illegal. delete these from my report
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-22
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. (SC)

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 2024-05-01
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. (FL)

on XXXX, i sent a complaint to XXXX, XXXX, and experian informing them that i was a victim of identity theft and by the FCRA requesting that the information to be deleted after 4 business days. today is XXXX XXXX and its still reporting on my credit report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-22
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)

This grumbling to EQUIFAX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.
Consumer complaint received 2023-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit report information but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT XXXX XXXX. Ive already included this issue in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to remove the reporting of any ITEM in my credit file that resulted from an incorrect credit report information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days : 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 -Equifax 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 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