davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OK)

My parents were divorced when I was XXXX XXXX XXXX. 

I was raised solely by my mother. 

My father died XXXX of 2010. I'm a adult and have/had no means to take responsibility of his home or property. 

I'm an adult and he or his other adult children had no right to illegally sign/notirize my name to his land or mortgage and address it to his daughters home mailing address. 

The file shouldn't be attached to me. So far I've been denied XXXX ( XXXX XXXX income ) due to too many resources and I have none and the law firm assigned and the State of Oklahoma refuses to delete or remove the file. 

Never should my adult life be ruined with my father 's remains upon his death I was and will never in a position to live as he did. 

The property is not mine. It shouldn't be attached to me that causes random collection calls of taxes due and many people have began to name their children after me and XXXXor create imposters/doppelganger especially spouses that don't exist that often times lurk at the stairwell of the apartment complex where I currently reside attempting to recover from being homeless. 

The house and property is not mine ; he/they had no right to sign my name anywhere or notorize it to me ; I was an adult upon his death without any proper means or lifestyle to payoff his debt and he has/had 3 other adult children that he raised as military brats while married to my now deceased mother that he could of attached his death dead debt to especially based off the fact that he and them had solid relations as a family ; we didnt, I was raised as a complete bastards child by my mother.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX 15 USC 1692c ( c ) If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication.
Consumer complaint received 2024-05-30
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  XXXX - XXXX -
Consumer complaint received 2024-05-30
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. (TN)

According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX Account # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete this late payment
Consumer complaint received 2024-05-29
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.

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 2024-08-05
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. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX XXXX : ** XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-05-13
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 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 2023-05-26
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (SC)

In Accordance with the fair credit reporting XXXX account XXXX has violated my rights. 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without written instructions. 15 USC section 602 states I have a right to privacy. 15 USC 1666B and 15 U.S. Code 1666a, states a creditor may not treat a payment account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (PA)

In accordance with the fair credit Reporting act SELF FINANCIAL/LEAD BA Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

There are several inaccuracies on my consumer report. 

PERSONAL INFORMATION NAMES : XXXX XXXX XXXX XXXX ACCOUNTS : XXXX. INQUIRY DATES : XX/XX/XXXXXXXX XXXX XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX OPEN XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPARTMENT OF EDUCATION XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPARTMENT OF EDUCATION XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF XXXX XXXX XXXX ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPARTMENT OF EDUCATION XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX XXXXNQUIRY DATES : XX/XX/XXXX XXXX XXXX  XXXX XXXX. INQUIRY DATES : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX  XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF XXXX XXXX EMPLOYMENT INFO : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. STATE OF NEVADA XXXX. REMOVE CONSUMER STATEMENT DATE XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-01-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PR)

Sent MOV to experian. No change they stated valid. Sent XXXX XXXX XXXX XXXX debt validation letter XX/XX/2020, they replied with email last night that its valid with no proof of signature that the debt belongs to me nor any contract that its my debt. XXXX XXXX sent a generic letter, no account number nor any personal information in regards to me owing this debt. They validated the information without proof that its my debt. As you will read from the email from XXXX they stated to talk to the credit reporting agency, which I already have. Its seems they are going me the run around like go ask your dad or go ask your mom, childish games. Im trying to finish this last bit of disputes to continue on with my life and live the American dream.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (TX)

This qualifies as a breach of 15 US Code 1681s-2, which outlines the obligations of those furnishing information to consumer reporting agencies. Their omission of a written notice about the account prior to reporting constitutes a violation. As a result, I insist on the removal of the account from my credit report, as I dispute the claimed debt. 

Furthermore, they have transgressed my rights according to 15 U.S. Code 1681b ( 2 ), governing allowable purposes of consumer reports. This violation is evident in their reporting of the account without obtaining my consent and the misuse of my social security information. In light of being an identity theft victim, 15 US Code 1681c-2 mandates the blocking of such data without my explicit written consent. 

As stipulated by 15 US Code 1681a ( 4 ), consumer reporting agencies are obliged to uphold my privacy rights. Regrettably, this right has been infringed upon by the public disclosure of my information, an action to which I never provided consent to your organization. 

I request the immediate removal of this account from my credit report.
Consumer complaint received 2020-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been receiving phone calls from various numbers associated with Portfolio Recovery for over two years now. They rarely leave a message and I have never received anything in writing stating what debt it is that I owe. They will also call XXXX or 5 times back to back and outside of the allowed times
Consumer complaint received 2023-09-11
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. (NY)

I am filing a complaint for improper use of credit report. In accordance with the Fair Credit Reporting ACT : these credit reporting agencies XXXX and Transunion has violated my rights. According to USC-15 1681a ( 2 ) ( 1 ) under exclusions - this is illegal and they may not treat a payment late for any purpose ie. document PAYMENTS as late creditors can't make THIS claim. Also 15-USC-1681 Sec- 602 states " I have a right to privacy '' and 15-USC 1681 sec 604a ( 3 ) - a consumer reporting agency can't furnish a consumer report to a user unless there is a permissible purpose and my written instruction. To to do is in direct violation with 15-USC 1681 SEC.604 ( f ). Prohibits any person from obtaining a consumer report from a consumer. These accounts are in direct correlation with the aforementioned FCRA codes that have been violated. This has happened with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX, XXXX XXXX XXXX XXXX  has violated my rights, 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 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.
Consumer complaint received 2023-06-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for 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
Consumer complaint received 2024-07-25
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. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-08
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)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-07-03
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: General Motors Financial Company, Inc. (TX)

The negative rating on my account is of great concern to me due to its impact on my credit. It has already led to a loan application rejection and higher interest rates on my current credit accounts. This situation is causing me considerable financial and emotional stress, which will persist until resolved.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to consumer law, FCRA 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report. 

This is a federal unethical practice which can lead to a litigation according to 15 US Code S 1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 

Account : Macys XXXX Violation 1 How is it that this account is updated in XXXX but the account closed XX/XX/XXXX? 
Violation 2 How is it that the last payment made was XX/XX/XXXX but the account closed XX/XX/XXXX? 
Violation 3 How can the maximum delinquency be XX/XX/XXXX and XX/XX/XXXX and not within the timeframe the account was open? So I can be deemed late after an account closure in XX/XX/XXXX? 

I have proof of all the errors. Other bureaus have deleted this information because it was inaccurate, incomplete, and unverifiable.