davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (MD)

This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (VA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-08-01
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. (NC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report if shall follow reasonable procedures to assume maximum accuracy of information concerning the individual about whom report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is to be found to be inaccurate or incomplete or can not be verified, The 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 the results of the investigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of consumer and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-09
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. (CA)

This item XXXX is inaccurate and closed. Since then, the account has repeatedly been updated as late every month. This is an updated in the payment history. Please investigate this matter and delete or correct the payment history as soon as possible. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. Again, delete or update the payment history as good standing. 

XXXX Account no. : XXXX
Consumer complaint received 2018-07-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and XXXX XXXX   the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!
Consumer complaint received 2019-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (GA)

I received an email alert from a credit monitoring company about a new item on my three major credit reports. There is a collection company named The CBE Group , Inc. located at XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, IA XXXX, which reported an account in collections. This company never notified me of said debt. They have never given me verification of the said debt but reported to XXXX, XXXX and XXXX   unlawfully.
Consumer complaint received 2024-06-22
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)

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
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)

XXXX XXXX XXXX In accordance with the fair credit act XXXX  XXXX XXXX XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A states I have a right 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 instructions 15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report 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 to be inaccurate
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (MI)

The following accounts were not authorized by me. Furthermore, I have NOT received a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the following unauthorized accounts be verified or deleted immediately. 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
Consumer complaint received 2023-09-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (TN)

I attempted to open an account with Navy Federal Credit Union online. My daughter is an XXXX XXXX XXXX and an account holder. My other daughter had opened an account online without any problem. I filled out all of the information requested, but received an email message that I needed to submit additional information before I could open an account. I was not told why this was the case, but Navy Federal gave a list of documents that I could submit. I selected to submit my Driver 's License and my vehicle registration. I submitted those a pdf documents from our office copier and my computer. I use these tools daily to submit pdf documents to governmental and private parties as part of my law practice, so I know there is no problem with our equipment. Navy Federal wrote back and said that the documents were too blurry and asked me to resubmit them. This time, I took photographs of the documents and sent them as jpeg files. Navy Federal wrote back and said that the documents were too blurry and asked me to resubmit them. This time, I made hard copies of the documents and mailed them to Navy Federal 's XXXX XXXX XXXX. Again, Navy Federal wrote back by email stating that the documents were too blurry. I have contacted Navy Federal by telephone with my last phone call being with " XXXX XXXX ( last name withheld ), supervisor in the " Resolutions Department ''. The only suggestion that XXXX gave me was to reapply and send the documents again. This was not a good faith opportunity because my sending the documents again would only result in another message stating that the documents were too blurry. I asked to speak to someone at Navy Federal and allow me to send my documents to them directly to confirm that they are not blurry. This was not permitted. I have no remedy in this case. Continuing to reapply and receive messages that the documents I am submitting are too blurry, when in fact they are not, will not result in a different outcome. I still do not understand, and it has never been shared with me why I needed to submit additional documents when my daughter was able to open an account online without trouble and without submitting additional documents. If Navy Federal is going to require the submission of additional documents Navy Federal should have the necessary equipment and personnel to review these documents accurately.
Consumer complaint received 2023-09-17
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)

In XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( TransUnion and XXXX ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies have violated my rights : 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 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX  XXXX ''. Identity theft report was given to all credit reporting agencies ( XXXX, TransUnion and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

One one address should be listed on my credit file : XXXX XXXX XXXX , XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aspen Yo LLC (MD)

First, they take at least one hour or longer to answer. And whoever answers I ask to speak with Loss Mitigation and they told me no department like that exists. I feel that they don't want to help me. My wife and I have been XXXX XXXX XXXX XXXX XXXX. we don't want to lose our house. we have no where to go. I am XXXX and my wife is XXXX and we are both XXXX. 

First I was told no sale date and now I told that I do have a sale date on XX/XX/14, but I never received any papers telling me this. 

I did get papers from a law firm and I called them and they told me no sale date. I don't know what to do. 

When my loan was sold to Gregory Funding from XXXX XXXX, my loan payment went up {$600.00} but they did not explain for what- my property taxes did not go up that much and I pay my own home owners insurance.
Consumer complaint received 2024-06-22
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-09-16
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. (GA)

I'm obviously a victim of identity theft. Submitted all documents I was advised to submit. XXXX Fraudulent inquiries showed up on my consumer file in the past 48hrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (GA)

SELF FINANCIAL INC / LEAd-Account 's Date Opened : XX/XX/2021 -- XX/XX/2021 ( XXXX and XXXX ) XXXX Account High Balance/Original Balance : {$520.00} -- {$520.00} I have sent in my accurate up to date info and FTC report and police report my personal information was used to obtain this fraudulent account, I have been fighting to get this removed from my report because it is. fraudulent and there is no verifying evidence to legal attach this to my report. I have also sent in multiple disputes to have this item removed and I feel like my request want been heard. please do a full investigation on the account
Consumer complaint received 2023-11-06
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)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OK)

In XXXX i took out a construction mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX branch in XXXX of XXXX i longterm financed the home with XXXX XXXX XXXX ok. However i did not pay off the complete amount of construction. 5 years later in XXXX i had made no payments to XXXX XXXX XXXX, and the finally wanted to get the additional overage into a fixed finance there was a change of main bankers in company. So we get yhe amount rolled into financing. I lost my job later part of XXXX and foreclosure happened from XXXX. However XXXX XXXX XXXX and XXXX purchased the loan from XXXX and sold the home in which XXXX made profit. However they continue to report deroggatory info on my bureaus, and it is imcomplete. They show im making payments and the amount is not decreasing but all bureaus show i havent made payment since XXXX. I have taken steps with now XXXX XXXX XXXX and was told they will fix everything when i pay off the interest owed of {$17000.00}. I.dont belueve i owe them anything because they bought the loan sold property and made profit. Shows i paid off the loan of {$500000.00} but still shows i owe little over {$17000.00}. I need this cleaned up with experian XXXX and XXXX and to stop reporting. I have no documents agreeing to pay this new loan number they made up. The credit bureaus just tell me information is verified and i get nothing rhey arent getting the full story