davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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. (SC)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-26
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)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-08-31
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts are not mine the name XXXX XXXX XXXX XXXX XXXX are not mine addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not mine never lived there I have sent documents such as XXXX, BIRTH CERTIFICATE AND RENTAL AGREEMENT showing support yet the 3 credit bureaus will not remove info that is false which is giving me bad credit there's also inquiries like XXXX showing up if the acct is there why would I have them run my credit report
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, XXXX REFERENCE # XXXX XXXX XXXX i called Agency called Reporting agecncies and let them know This Need be Removed from Report According too 15 U.S. CODE 1681A2B and 18 U.S.C AND 1028A.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the fair credit Reporting act XXXX 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 and purpose.
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing to formally address an issue concerning a motor vehicle accident in which I was involved. Following this incident, XXXX XXXX paid off the vehicle, indicating that I was in good standing at the time. The case was subsequently closed. 

However, a year later, I began receiving bills related to this matter. It is important to note that if I had owed any amounts or been in poor standing, XXXX would not have settled the vehicles balance, and my insurance would have been rendered invalid. Therefore, the issuance of these bills appears to be unjustified and warrants immediate rectification. 

Accordingly, I am requesting the following within 30 days, Failure to provide this information will invoke the Doctrine of Estoppel by Silence as established in Englehardt vs. Graves ( MO ) 281 SW 715, 719, leading me to conclude that there is no proof of the alleged debt and that no such debt exists and must be deleted for my credit file. 

Debt Validation Letter Original Agreement Creditor Details Signed Agreement Proof of Assignment These requests are made pursuant to the following statutory provisions : 15 U.S.C. 1681b 15 U.S.C. 1602 15 U.S.C. 1681i ( 5 ) ( A ) 18 U.S.C. 1028A FCRA 604 ( a ), 15 U.S.C. 1681c1 FCRA 605 ( b ), 15 U.S.C. 1681c2 FDCPA, 15 U.S.C. 1692 These Applicable Federal Laws Validate that this negative reporting on my credit file must be removed. 

Please treat this matter with the urgency it deserves and ensure compliance with the relevant federal statutes. Failure to do so may result in further legal action to protect my rights. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have XXXX XXXX XXXX XXXX through Bank of America. They will only let me pay on one. The other constantly gets dinged with late fees because their app actively prevents me from paying. Ill select pay bill and it will tell me it cant and I have to use a different section of the app. Then when I go there it will only let me pay on my primary card resulting in a late fee etc etc. I told them to close the card but theres a balance of {$23.00} they wont ( and I mean wont ) transfer to the other card. They supposedly fixed the problem last month but this month again XXXX cant pay on the card. Whether its XXXX XXXXXXXX or malicious intent I dont care. They are harming customers and my credit score has been damaged by them.
Consumer complaint received 2024-01-04
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. (TX)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-05-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Responded on XX/XX/XXXX via Complaint # XXXX which I submitted on XX/XX/XXXX via CFPB Portal .

Again this debt is not MINE!!

Your company did not send me the initial letter as you stated which is the first violation of many Section 1006.34. I requested PROOF and yousent me NOTHING!!!!!! 
I am now submitting that my income is XXXX and I will attest to this that I have not worked at all in the past 60 days. I am insolvent .The only aid I receive is via XXXX Assistance from the XXXX XXXX XXXX . XXXX cash from any agency on any level. 
You have worsened my condition over the last 30 days! I will not be discussing finances anymore with your agency that I do not have. You have a littany of FCRA and FDCPA violations and I will complain how I have been treated for such a very long period of time and I will complain to whoever will listen and provide the News Media, Attorney G, FTC and anyone else who will listen with this large stack of paperwork that I have attained due to your companys egregious behavior, if you do not remove this information. I was admitted into XXXX of XXXX XXXX XX/XX/XXXX for XXXX days with XXXX at its inception in this area. 
I am not able to function at all XXXX XXXX XXXX  the way I did before my illness. Portfolio is making things much worse now. 

XXXX XXXX XXXX.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

JP Morgan Chase XXXX XXXX ending in XXXX total points of XXXX for statement closing date XX/XX/XXXX - XX/XX/XXXX was not transferred to my XXXX account number again. 

Please see CFPB complaint XXXX
Consumer complaint received 2023-12-26
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. (NJ)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Oh, please verify by providing color copy of my ID wet signature of original contract or immediately update to paid never missed a payment. 

XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc. (TX)

Hello Consumer, Financial Protection Bureau, I am writing with updated information to add to my current complaint regarding the serious issue of mortgage fraud involving XXXX XXXX XXXX  Rushmore Loan Management Service, LLC a.k.a Rushmore Servicing, now comes XXXXXXXX XXXX and Nationstar Mortgage LLC, also known as Mr. Cooper, which I have recently uncovered. These entities have fraudulently modified my XXXX home equity loan contract and deed of trust and unauthorized changed the dates and start over a new loan on my property without my knowledge or consent, and XXXXXXXX XXXX XXXX is not taking responsibility for their part in the fraud even though I have documentation proof that they are involved. 
During my XXXX XXXXXXXX bankruptcy proceedings, I was required to provide proof of my mortgage contract on XXXX separate occasions : XX/XX/XXXX, and XX/XX/XXXX. Upon review, I have discovered that my home equity loan contract and deed of trust were unlawfully modified, with the dates altered on the original loan and deed of trust documents. These fraudulent modifications were carried out by XXXXXXXX XXXX the lender, in collusion with Rushmore Loan Management LLC, the servicer also known as Rushmore Servicing. 
It is important to highlight that I have never taken out a loan with XXXXXXXX XXXX XXXX Rushmore Servicing, Wintrust Mortgage, or Nationstar Mortgage LLC Mr. Cooper. Despite this, these entities have somehow managed to associate themselves with my property, and property tax, leading to unauthorized and fraudulent claims against it. This is a clear case of mortgage fraud that needs to be addressed immediately to prevent any further unlawful actions and to protect my property rights. 
To summarize, the key points of this fraudulent activity are as follows : Unauthorized Mortgage Claims : Rushmore Servicing, XXXX XXXX and Nationstar Mortgage LLC ( Mr. Cooper ) have falsely associated themselves with my property, even though I have never taken out a loan with any of these entities. 
Fraudulent Document Modifications : My home equity loan contract and deed of trust have been altered, with the dates changed to misrepresent the original loan and deed documents. This was done by XXXXXXXX XXXX and Rushmore Loan Management LLC.

Brand Confusion : Rushmore Servicing and Mr. Cooper are brand names for Nationstar Mortgage LLC, further complicating the identification and addressing of the fraudulent activities. 
I respectfully request a consultation to investigate this matter urgently and take appropriate actions to rectify the situation. The fraudulent claims against my property must be nullified, and the entities involved should be held accountable for their actions. 
Please let me know if you require any further information or documentation from my end to assist in your investigation. I am committed to ensuring that justice is served and that my property rights are fully protected. 
Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-01-22
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. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The following personal information is incorrect Account Number : Former : XXXX XXXX 4. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Subject : Request for Debt Validation and Verification Dear CAPITAL ONE I am writing to request validation and verification of the debt you claim I owe, as detailed in the information on my consumer credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof that I am legally obligated to pay this debt. 
Please provide the following information : The amount of the debt, including an itemized accounting of fees, interest, and other charges. 
The name and address of the original creditor. 
A copy of the original signed agreement or contract that created this debt. 
Evidence that you are legally authorized to collect this debt on behalf of the original creditor. 
Copies of any judgments or legal documents related to this debt, if applicable. 
Proof that the statute of limitations on this debt has not expired. 
Confirmation of the current holder of the note, and if applicable, a copy of the note bearing my signature and documentation showing the transfer of the note to the current holder. 
A copy of the initial communication sent to me regarding the debt collection, including the date and method of communication. 
I also request that all collection activities cease until this debt is validated and verified as required by law. Please respond to this request within the XXXX period specified by the FDCPA. 
Sending this request is not an acknowledgment or acceptance of the debt, nor is it a promise to pay. I reserve the right to dispute the debt further if the information provided is inadequate or incorrect.
Consumer complaint received 2023-12-26
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. (NV)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus