davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 & block any items which are found to be opened due to identity theft. The dispute items 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 XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FAIRWINDS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Account Name XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$520.00} and {$640.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED Also Identification is attached to verify myself 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (TX)

Covington Credit in XXXX XXXX I have a partial account number XXXX XXXX they charged off my account and provided me a XXXX to file has income. Covington Credit would not work with me when I told them I had lost my job and I was ill and working on XXXX. How can you charge my account off and there insurance paid them for the lost and tell me now I have to file the charge off as income. by giving me a XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-05-05
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. (IL)

To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ). Furthermore the late payments are inaccurate across the credit bureaus. XXXX shows one late payment and XXXX and EXPERIAN shows 2 late payments which shows inaccurate late payments across the bureaus.Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-06-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WI)

They promised to mail the application to me in XXXX to XXXX days. But now it is over XXXX days, I didnt get it yet! They lied! I tried to do it on line but it gave error messages!
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX filed plaintiff against me without sending me a proper paper work after I filed dispute of the amount stated I owed. I have the copy of the fraud paper work I send to them and one pages was being notarized.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (WV)

They sent me a letter containing printed statements on XX/XX/XXXX and on XX/XX/XXXX sent a letter stating that they had conducted an investigation and below are the findings. 1 ). previous charges and payments ae explained in detail by the billing statements sent separately 2 ). The Account was opened XX/XX/XXXX XXXX ). You provided up with identifying information As a Result of the above, the account and balance are considered valid.
Consumer complaint received 2024-05-05
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. (MO)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian, XXXX, and XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activity on my credit report. After reviewing my credit report, I have discovered several inaccuracies and fraudulent entries that have severely impacted my credit score and financial standing. 

Upon reviewing my credit report from Experian, XXXX, and XXXX, dated XX/XX/year> for XXXX XXXX ( XXXX XXXX XXXX ) account number # XXXX,, I noticed several accounts that I did not authorize or recognize. These accounts include unconsented loans. Furthermore, there have been unauthorized inquiries made on my credit report, which suggests potential identity theft. 

I have taken immediate action to dispute these fraudulent entries by contacting the respective creditors and providing them with the necessary documentation to prove my innocence. However, despite my efforts, these fraudulent accounts remain on my credit report, causing significant distress and hindering my ability to access credit when needed. 

I demand that Experian, XXXX, XXXX conduct a thorough investigation into these fraudulent entries and take swift action to remove them from my credit report. Additionally, I request that you provide me with a written explanation of the steps taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Furthermore, I request access to any information or documentation related to the investigation of these fraudulent activities, as well as any measures taken to prevent similar incidents in the future. 

I expect prompt attention to this matter and a timely resolution to restore the integrity of my credit report. Failure to address this issue promptly will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse. 

Please acknowledge receipt of this complaint and provide me with a timeline for the resolution of this matter. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-18
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. (IL)

I have received a copy of my credit report, and Im disputing the following information that appears on my Trans Union report. 
XXXX XXXX XXXX has fraudulently reported on my Trans Union record. I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-05
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

I recently found that an amount of XXXX was annotated on my credit account for a vehicle I thought was paid for since USAA stopped applying the allotment to my loan. I do not apply the allotment which comes in by weekly to the loan it is the responsibility of USAA. Therefore, I asked for a burndown of the car loan and the rationale on why this was even sent to collection when the allotment has been sent to the USAA saving account in the same manner for the last 6 years. This is not an error of the consumer, the account should have NEVER went to collections and should have never been annotated on my credit report.
Consumer complaint received 2024-05-05
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. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can be furnished, any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly.

ACCOUNTS THAT NEED UPDATED XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I called TransUnion today at ( XXXX ) XXXX XXXX, on Monday, XX/XX/2023, around XXXX XXXX  Pacific Standard Time . A female agent answered the phone. I told the agent Im calling to file a dispute. The agent said you can only dispute online. She said disputing online is my only option. This is false and she is wrong. Anyone has a right to file an FCRA dispute over the phone. After I told her I have a right to dispute over the phone, she stopped talking and disconnected the telephone. There was a long moment of silence before she hung up. This is inappropriate.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a 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 2024-05-06
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. (TX)

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities.

Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines.

Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute.

Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities.

I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX ) I have contacted creditor XXXX XXXX to update new address please remove. There should only be one address listed on my report, which is { XXXX XXXX XXXX XXXX XXXX, AZ XXXX }. I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX Once you have deleted the inaccurate names, addresses and numbers from my credit report, please send me a copy of my updated report. XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Franklin Credit Management Corporation (CA)

This pertains to a Zombie Mortgage Loan. I obtained a HELOC in XXXX in amount of {$65000.00}. In XXXX another lender either charged off the loan or forgave the debt and Full Reconveyence of deed was issued to me. I was sued in XXXX by Bosco Credit , LLC. Up until then I had never heard of or from them. They stated they were the rightful owners of the loan and the party who did reconveyence. Bosco Credit recently foreclosed auctioned my home. The loan went back to the lender. I am attempting to reach out to lender to settle the debt so there is no eviction with no success. There was no previous attempt by lender to discuss foreclosure avoidance. Lender is Bosco Credit , LLC and Franklin Credit Management Corporation. Phone number is XXXX.
Consumer complaint received 2024-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

I placed an order to a person for a dress and paid them {$150.00} via cashapp on XX/XX/XXXX. I needed the dress for an even XX/XX/XXXX so I verified with the merchant BEFORE I placed my order I would have it in time. I continued to check in every two weeks and all I got was yes you will receive your dress in time it is still being worked on. It was on XX/XX/XXXX I asked for a tracking number for my dress which he did not have so I I initiated a refund as I know had to purchase another dress for my event. I have continued to try and communicate on the status of a refund and all he has said was Ill send it today I have to go to the bank I have all my messages from out communication and I have not yet receive my money. I tried to dispute it with cashapp but because he has accepted payment they can not do much more. I sent a request for a refund and he denied it.