davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-11
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)

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 2024-08-19
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. (NV)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-08-29
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. (SC)

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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 ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
1. Names : The names 1, Incorrect Name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 2, My correct name is as mentioned above 2. Addresses : The addresses 1, Incorrect Address XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX My correct address is as mentioned above. 
3. Phone Numbers : 1, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, My correct phone number is ( XXXX ) XXXX XXXX. Employers : The employers 1, Incorrect Employer XXXX XXXX XXXXXXXX listed in my report are incorrect. 
5. Incorrect Account : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AL XXXX Account # XXXX XXXXXXXX
Consumer complaint received 2023-08-28
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. (VA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (CA)

I asked this debt collector to cease and desist reporting this allege debt from my credit report as this is affecting my way of living, character, and ability to get new credit. I have provide written notification for them to cease reporting this on my credit report but they are disregarding my request.
Consumer complaint received 2018-09-01
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: EQUIFAX, INC. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2023-04-15
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)

I've made numerous attempts to dispute the fraudulent information from my credit report through online filing, mail, and calls without getting anywhere. Online disputes are being closed the same day with no proof the information is accurate or that I've provided written authorization that allowed these companies to access my credit report. 

The burden of proof lies with you as the credit reporting agency. Since I'm advising this information was NOT authorized by me, the consumer, I would appreciate this information removed from my credit report. 

Where I've been able to find out the company, I've attempted to make contact with them and advise them they've fraudulently reported information on my credit report. I've yet to been able to get anywhere with any of these companies. 

I've also filed a formal FTC complaint on this matter to further secure my information from potential identity theft. As well as purchased subscriptions to place 'locks ' and 'freezes ' on my credit report with your company. 

A full listing of each of these fraudulent accounts is below : XXXX Account XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX A full listing of each of these fraudulent inquiries is below : XXXXXXXX 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  The account below has engaged in inaccurate and fraudulent reporting on my credit report. This company has reported a false late payment on XX/XX/XXXX with XXXX agency, and another on XX/XX/XXXX. I've attempted to work with them and argued the fact the payment was not late to no avail. They've now reported on my credit report the account was closed on XX/XX/XXXX and reported a late payment on XX/XX/XXXX. Since I've been unable to get anywhere with them, I wish my credit report to be corrected with the accurate information of the account closure on XX/XX/XXXX and the false late payment in XXXX remove immediately. 

XXXX Account number XXXX I greatly appreciate your assistance in updating my credit report and ensuring it's accuracy. If you believe any of the information is accurate, I demand proof of this so I can begin any necessary legal action with counsel to get this rectified. 

Thank you! 

Sincerly, XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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. (TN)

I am a victim of Identity theft. I filed the correct paperwork per the FCRA and sent it to the credit reporting agencies. They have not filed the disputes properly and the items still are on my report. 

I am not getting copies of the verification process required by law/FCRA. 

The agencies are not attaching the paperwork to my reports and disputes.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (CA)

UWM reached out when setting up payments from my escrow account and inquired as to my consent to pay my supplemental tax bills. UWM was my loan servicer for the greater part of my first year owning my home at XXXX XXXX XXXX As such the secured tax bill had not updated until the following year, so a supplemental tax bill was created for me to match the property tax owed for XXXX. After getting my consent, they made XXXX payments of {$560.00}, XXXX and XXXX whose amounts I got directly from the Tax Collector for XXXX XXXX XXXX. They had made the last payment late and I never received notification of such in the mail. That late payment incurred a fee and then in turn that amount then became defaulted on, which incurred a XXXX default fee. UWM transferred my loan and escrow accounts with a delinquent balance, so I began incurring monthly fees for {$49.00} until I reached out to XXXX XXXX XXXX XXXX  and investigated this entire matter. If UWM was unable to accept the responsibility of paying my supplemental tax bill, the appropriate course of action should have been to refund me that amount and allow the homeowner to pay those payments. I incurred an obligation of over {$1000.00} dollars as a result of their negligence, and in their response letter contradict themselves in stating they made the supplemental tax bill payments but that supplemental tax bills are the responsibility of the homeowner. I would appreciate some resolution and admission of fault at a minimum from the company. 

Edit : The CFPB closed my complaint without the ability for a response. UWM stated that I reached out for them to arrange to pay my supplemental tax bill on XX/XX/XXXX and XXXX, XXXX. This is accurate, however they stated the tax bill was already delinquent on XX/XX/XXXX. This is inaccurate because the secured tax bill was due the XXXX but the Supplemental was due XX/XX/XXXX as shown on the screenshots from the XXXX XXXX Tax Collectors database. They finally processed the payment over a month after I had asked them to do so on XX/XX/XXXX, causing financial damages due to negligence. I look forward to an updated response.
Consumer complaint received 2023-09-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have spoke with Capital One Auto Finance office of the president and sent in 1099 c 's that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is XXXX. The company claims they did not discharge the debt and that I am still liable although I have provided all necessary documentation as well as sent it to the companies indentured trustee who is also not responding. I have sent a letter to the indentured trustee with this information also. The IRS has accepted the 1099C and Capital one actually sent me the copy B to the 1099C form, not the IRS. Capital One Auto Finance is stating they did not send that and that if they received anything like that in the mail, it would have been Shredded. This is stated on a recorded phone call with a manager of the office of the president. I have also called 2 times to update My terms and conditions of My contract removing arbitration. I keep getting sent copies of my contact, nowhere to sign stating no arbitration. As I am the holder in due course as I also hold the contract with you, it is my right to change the contract. Also in my last complaint I had used my right as a citizen to opt out of their reporting services citing many laws proving my right to do so. The company came back with XXXX and how it entitles them to report my non public information. According to XXXX, as attached in the documents, you are still violating my rights and this instance does not fall within the XXXX guidelines as an exception. Please forward this 1099C to the indentured trustee of Capital One Auto Finance per your Sec.gov filings and ensure my account is updated. In the meantime, update My account to paid as agreed, never late. There has been no proof besides a statement that I received notice 21 days before the due date of my.statement besides the statement itself. Please provide tracking of all statements sent and proof of delivery. If you can not provide this, you must update them per 15 usc 1666b. 15 usc 1681 ( 2 ) ( a ) ( i ) states transaction history may not be reported. If you are using XXXX to say yes you can report, see the attached that this non public information does not fall under the exceptions of XXXX. 

Also, I was waiting to make a payment as they stated they were still looking over the 1099-C that they sent to ME to discharge the debt and I have late payments on my account I did pay the account as soon as they told me they would not credit it. I however kept contact and made it known I had no intention of defaulting on my account with them.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, XXXX XXXX XXXX late payments ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.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, 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

I also understand that according to federal law 15 U.S. code 1681s-2 ( a ) ( 1 ) ( F ) ( I ), an accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the cover period
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, XXXX XXXXXXXX ( late payments ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.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, 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

I also understand that according to federal law 15 U.S. code 1681s-2 ( a ) ( 1 ) ( F ) ( I ), an accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the cover period
Consumer complaint received 2023-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I hope this message finds you well. I am writing to inform you that on XX/XX/2023. I disputed an item on my credit report regarding a debt that was reported by Portfolio. I patiently waited for a response from your office regarding this matter. 

In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Portfolio. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. 

Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.
Consumer complaint received 2024-04-11
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: ALLY FINANCIAL INC. (MI)

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain hard inquires on my credit report that I did not authorize. Upon reviewing my report, I have noticed that there have been inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX ) XXXX XXXXXXXX XXXX on XX/XX/2023, XXXX ) Ally Financial on XX/XX/2023 and XXXX XXXX XXXX on XX/XX/2023. NOTE : There was no space for me to include the address and last four digits of my social security number that this may be sent to XXXX XXXX XXXXXXXX. The address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX. Last four digits of social security # XXXX. 

I want to clarify that I did not give permission for my credit to be run by these entities, and I am concerned that these inquiries have negatively impacted my credit score. I request your assisatnce in investigating this matter and ensuring that these unauthorized inquiries are removed from my credit report. 

Please let me know what steps I should take next to resolve this issue, and if there are any forms or additional documentation I should provide. 

Thank you for your time and assitance in this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX