davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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 2024-05-01
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: Experian Information Solutions Inc. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX CC XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX. XXXX fraudulent account XXXX XXXX XXXX. XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, I am a victim of identity theft a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.
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. (VA)

According to the Fair reporting credit act, 15USC 1681 section 602 states " there is need to insure that credit agencies exercise their grave responsibilites with fairness, impartialitty and a respect for the consumer 's right to proivacy '' XXXX and Experian are credit reporting agency and financial institution in which I am in the consumer. it is my right to ensure that my private information is shared or distributed, this is backed by 15 USC 6801 which states " it is the policy of the congress that each financial institution has affirmative and continuing obligation to respect the privacy of it customers and to protext the security and confidentiality of " customers non public information ''. XXXX and experian are credit report agency under this title. Section 2 of 15USC 168111 section 604 states that " in general subject to subsequent ( c ) any consumer reporting agency may furnish a soncusmer report under the following circomstances and no other " in accordance with the written insturction of the consumer to which it relates ''. this. XXXX and Experian consumer reporting agency does not have my consent, and writen consent to furnish this information, Any and all consent Verbal, non verbal, written, and or otherwise implied is now revoked. 15USC 6802 ( b ) ( c ) states " A Financial insituion may not disclose nonpublic personal information to a non affilitated third party unless the Consumer can exercise the non disclosure option ''. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX never informed me of my right to exercise the non disclosure option ''. Furthermore 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report contaning any of the following items of information, any Adverse item information, other than the records of convictionof crimes which antedates the report by more than seven years ''. These three accounts is an adverse item thaey are reporting without my pemission which is against the law. 15 U.S. code1681s-2 ( A ) ( I ) A states " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has resonable cassuse to believe that infomration is inaccurate. 15 U.S. code 1681e state " Every consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and to limist the furnishing of ocnsumer report to the purpose listed under section 1681b of this title ''. 
XXXX is not conducting reasonable procedures in regards to this accounts stated.
Consumer complaint received 2023-08-07
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: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit reporting act, this creditor has violated my consumer rights. Under 15 usc 1681 sec. 602 states I have the right to privacy. 15 usc sec 1681 sec 604 A sec 2 : a consumer reporting agency can not furnish an account without my written instructions. 15 usc sec 1666B a creditor may not treat a payment on an open consumer credit plan as late.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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. (NV)

I am submitting to request your assistance in removing this charge off account from my credit file. This account has been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off account remains on my credit reports. I have attached a copy of my personal documents to this complaint for your reference. XXXX XXXX Date opened : XX/XX/2020 XXXX Balance : {$4500.00}. I am requesting that you investigate the matter and take the necessary steps to remove the charge off account from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I filed a dispute with Equifax in XX/XX/XXXX because a bogus collection account for XXXX XXXX XXXX was being reported on my credit report. The dispute came back and the account was removed from my credit report until today XX/XX/XXXX the account has be added back to my credit report. This account is not mine.
Consumer complaint received 2024-05-06
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. (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 XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2023-07-11
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, 3 Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$800.00}.
Consumer complaint received 2024-06-03
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. (MS)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year> XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX absolutely refuse to add my free 100 word statement to my credit report for past and future creditors to view. I have sent letters 3  times to both of them and have all been returned not opened. XXXX   has added my statement to my credit file with no problems at all. I spoke to an Equifax rep yesterday and all she wanted to do was argue and kept telling me there is " no 100 word '' statement that can be put on your credit file. 

I have contacted XXXX XXXX several times over the last 6 months of XX/XX/XXXX in an effort to consolidate my 4 credit card accounts with them. On each one of my 4 XXXX XXXX cards, I pay 23.99 % interest on each card. My goal was to consolidate all 4 accounts and have one  payment / interest rate. 

The reason I am sending this complaint to you is to request that you add this 100 word statement to my credit file for past and future creditors to review. My finance of 12 years and I have parted ways and I have lost over / one half of my monthly income. 

PLEASE PUT THE STATEMENT BELOW ON MY CREDIT FILE : I am no longer able to pay my 4 XXXX  XXXX credit card payments at 23.99 % interest on each card, due to losing of my income. My long term fiance and I are no longer engaged and I have had to stop making payments. Due to being on a XXXX income, there is no foreseeable way for me to continue to make payments or pay off these accounts. My bankruptcy in XX/XX/XXXX was due to wrongful foreclosure. I was advised to include my home to avoid future replevin from the bank. I have a long history of good credit. 

End of statement. 

I am unable to make payments on the accounts below ; XXXX XXXX Account # ending in - XXXX XXXX  XXXX Account # ending in - XXXX XXXX  XXXX Account # ending in - XXXX XXXX XXXX Account # ending in XXXX XXXX   XXXX Account # ending in - XXXX XXXX Account # ending in - XXXX XXXX XXXX XXXX Account # - account number not available I am entitled to a 100 word statement to be placed in my credit file - any help you could give me to get the 2 credit agencies to put my statement in my file for review would be deeply appreciated. Thank you very much XXXX XXXX
Consumer complaint received 2024-05-06
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. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2019-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OR)

I have an FHA loan. Carrington mrtg is my servicer. I fell behind on my payments in XX/XX/2018. In XX/XX/2018 the took a payment. In XXXX the returned a XXXX. Money order payment. They locked my account on XX/XX/XXXX and started foreclosure. My money order which is now not useable to me because its written on and banked stamped was returned to me. On my statement it is written that is payment in full is not sent monies will be held in a suspended account. Heres my issue. I called FHA after Carrington refused payments and locked my account. FHA stated they had seen my prior 5 years of perfect payments and they dont foreclose unless I am 6 months behind. I was not but now due to Carrington refusing my payments I am now 6 months behind if you include XXXX. Its unfair. I am honestly trying and making an effort. I am a single mother. I lost my job of 10 years. I have taken a XXXX an hour pay cut. I requested a reinstatement. Its an outrageous amount. I have filed for a modification. Im still waiting. This morning Carrington called my phone but once again left no voicemail as to why they were calling. I logged into my account and ot stated call point of contact for modification. So I called. I entered all my identifying information. And it keeps routing me to single point of contact line that is closed. This is at XXXX XXXX in the morning on a friday. They are closed on a weekend. Again precious time being wasted giving me the run around. The have my email to send me requests and information as well. My house has doubled in value since I purchased it. It feels like they are trying to make me foreclose and force us out. I feel as though they should not be allowed to lock my account and refuse payment especially if I have in writing that it will be placed in a suspended account. If nothing else FHA would then be able to see I am making an attempt and not really 6 months behind and see what this servicer is actually doing to low income homeowners. Please help. I have a hud counselor but she has only gotten as far as I have. Also if and when I get this situation fixed I want to know how I can get a different servicer. I absolutely do not TRUST the company. They are horrible and treat their clients that are struggling awful. They dont explain anything. Everything I have learned I have had to research online. When I say I dont understand something they just repaet themself. When I ask about and option I hear its up to you whatever helps you sleep at night. Its horrible.This is my only home. Im am trying like crazy to save it. My payments are XXXX. A month I have XXXX. In returned and refused payments. Plus my current payment thats due for XXXX on the XXXX which has been my payment date for over 5 years.I understand I would still be behind but only like a month an a half but now they want a few thousand dollars in fees. I just dont understand how a company can do this.
Consumer complaint received 2024-05-06
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)

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.