davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (GA)

In accordance with the Fair Credit Reporting Act, XX/XX/XXXX, Acct # 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 U.S. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 any purpose.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a complaint against Transunion ( CRA ) for alleged violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the Code of Federal Regulations ( CFR ). The credit bureau has failed to provide me with sufficient documentation to verify the debt they claim I owe, XXXX ( additional dates and account information was added with this complaint please review ) despite repeated requests. 

This non-compliance violates FCRA 611 ( b ) ( 7 ) and ( 8 ) by failing to furnish me with any documentation that bears my signature to confirm the debt. 

Additionally, they have failed to provide me with a copy of the original creditor 's documentation, as required by FCRA 611 ( b ) ( 2 ), to confirm the accuracy of the information being reported. Moreover, the credit bureau has failed to provide the method of verification as required by FCRA 611 ( b ) ( 2 ) to ensure the accuracy of the information being reported. 

Due to their failure to provide the necessary documentation, the credit bureau has reported incorrect and inaccurate information to credit reporting agencies, which has had a significant impact on my credit profile and report. This violation of FCRA 611 ( a ) and ( b ) has caused me harm and inconvenience. Furthermore, I have also reported several complaints about the credit bureau inaccurately displaying addresses that I have never lived at on my credit profile. 

I request that the CFPB investigates this matter and takes appropriate action against the credit bureau, including deletion of all unverifiable information and fair compensation for the harm and inconvenience caused to me, as outlined in FCRA 616 and 617. 

Please note that the definition of " verification '' as used in the FCRA and provided in XXXX 's XXXX XXXX is : " The process of establishing the truth, accuracy, or reality of something through examination or authentication. '' Thank you for considering my complaint. 

Sincerely,
Consumer complaint received 2024-01-25
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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STAR ONE CREDIT UNION (CA)

We made a wire transfer through our bank Star One Credit Union on XX/XX/XXXX  for the amount of {$160000.00} for escrow. We received wire instructions from what appeared to be our lender, but later found out it was a fraud email pretending to be our lender with all the contract details. Our bank called to verify the transfer, but never mentioned the possibility of wire fraud. As a customer of Star One Credit Union, we expect our bank to protect us from possible fraud transactions.
Consumer complaint received 2024-07-30
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. These companies have violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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. 

Remove the late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Thank you for your assistance with clearing up this matter and recognizing my rights as a consumer. 
I HAVE NOT SUPPLIED PROOD UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT. THESE COMPANIES ARE VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S.C 1681-B2COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 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. THESE ACCOUNTS ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER MY CONSUMER RIGHTS PER THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2023-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

XX/XX/2023 attempted to make a payment online. Red error message pops up reading " we're sorry - an error occured. Please try again '' I tried again today XX/XX/2023 I believe they are preventing me from paying down accruing interest.
Consumer complaint received 2023-07-12
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. (MO)

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 removed 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (GA)

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. XXXX XXXX XXXX XXXX  has an account in my name that was not owned by me. I have never opened an account with this company. I have requested numerous times for the account to be closed and information be deleted from my account. The account shows on my Equifax credit report.
Consumer complaint received 2024-05-03
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am keeping Equifax informed of the following on my credit file : XXXX. XXXX XXXX XXXX is reporting inaccurate payment history. 
XXXX. Equifax is reporting inaccurate payment history. 
XXXX. XXXX XXXX XXXX is reporting the account as Charged Off without providing tax document 1099 for my records as required by the IRS. 
XXXX. XXXX XXXX XXXX refuses to provide me with the proper documentation for the charge-off account.

5. I have sent a request for the removal of the account several times to Equifax, Equifax has marked this account as verified by the data furnisher. I am now asking Equifax ... How?

6. Please see attached documents that show inaccurate payment history.

7. Please see my request for the Tax document 1099 that is required to be sent to me as per the IRS for my records.
Consumer complaint received 2024-01-25
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. (TX)

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax has violated from reporting illegal late payments toIt is the policy of the Congress that each financial institution allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE FROM MY CONSUMER REPORT
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I 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 on my Equifax.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-25
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$210.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My loan company  Nationstar  says that they contacted me on  XXXX    XXXX ,2017  to discuss an issue related to my loan, but I did NOT speak with them and my wife did not either. I have been trying for months and months to get them to give us an answer and they continue to ignore our requests. They 're lying now and saying they spoke with me on  XXXX   XXXX     2017  and say that I told them we were not interested in doing the lit line adjustment. This is a lie!!! I do n't know who they talked to but if anybody they did NOT talk to me. I am worried they are talking to unauthorized people about my mortgage and account. The only person they should be talking to about this is our lawyer but they refuse to talk to him. They should not be talking about my loan with other people! And should not be lying and saying that I said things when I did not!
Consumer complaint received 2023-06-15
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. (TN)

Dear, Consumer Financial Protection Bureau, I am writing to bring to your attention my ongoing issue with XXXX XXXX and XXXX XXXX. For the past year, I have been attempting to obtain written verification of a debt that these companies allege I owe. Despite sending multiple written requests for proof that the debt is my obligation and that it was me, and not someone else, who opened accounts in my name, I have yet to receive the documentation required to be provided under the Fair Credit Reporting Act ( FCRA ). 
I would like to note that these letters requesting information were sent through the CFPB and my attempts to obtain this information are easy to document. 
Under Section 609 of the FCRA, a consumer reporting agency is required to disclose to the consumer all information in their file within five days of receiving a request for such information. As of today, I have not received any such documentation from XXXX XXXX or XXXX XXXX. 
Furthermore, I would like to bring to your attention the liability of the credit bureaus for continuing to list these items in violation of the law. Under Section 616 of the FCRA, any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would like to make it known that legal action will be taken against all parties who are in violation of the law if these accounts are not removed immediately. I also request that any other statutes or language that might be helpful in resolving this matter be included in your response. 
Thank you for your attention to this matter.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and XXXX 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 2024-05-03
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: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2024-01-25
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
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. (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 : DPT ED/XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.