davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account NumberXXXX Account Name : XXXX Account NumberXXXX 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 2023-05-22
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. (GA)

XXXX XXXX, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions. 

I missed two payments on my [ XXXX Credit Card ] XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

They also violated the because according to 15 U.S.C 1681 section 602 A states I have 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
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed on XX/XX/XXXX a late payment that is currently listed on my TransUnion credit report, and They updated on XX/XX/XXXX the on-time payment but never removed the derogatory mark on my credit report. The wrong information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX, ( being an on-time wire-transfer payment ). However, it is still reported as being more than 30 days late. This information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Dear sir and or madam please see attached of bureus response 's there is proof I did request my reports, attached is the same documents I attached in all three envelopes to XXXX XXXX @ Exsperian proof of idenity I AM NOT PUTTING THIS IN THE MAIL AGAIN this is how identity is stolen and I don't appreciate them asking for it over and over again, as well I don't appreciate there emails to me soliciting credit watch and easy access to my files XXXX for a fee, if you notice there asking me to supply this information attached again, in attached clearly stating I filed a dispute when I don't even know what is accurate or not only thing I asked for with attachments included requested my report and ask them with supporting documents to add a consumer statement to say : Anyone trying to extend credit in my name to call my cell phone first @ ( XXXX ) XXXX as you can see and still not resolved I have supplied PROOF CFPB that you must protect us from companies like this and I am holding you responsible for failure forcing them to comply OI BETTER HAVE MY FULL REPORTS BY THE XXXX XXXX XXXX XXXX 30 days are up
Consumer complaint received 2023-09-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

Disputing an apartment rental that showed up on my credit report, noticed XX/XX/23. This is identity theft and there are other similar alleged debts that I have gotten removed from due dilignece.
Consumer complaint received 2024-05-23
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list tthis account as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the this erroneous information on my credit report : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (IN)

Dear Region/AMS, I hope this letter finds you well. I am writing to you regarding a late payment reported on my XXXX, in XXXX. I understand the importance of timely payments and take full responsibility for this oversight. 

I have been a loyal customer of for 3 years and have always strived to maintain a positive payment history. I made on time payments for years, I have a baby on the way and I'm looking to buy a home with my family this is really hurting me from get the home I love can you guys please remove this from my credit report, This was an isolated incident, and since then, I have diligently ensured that all subsequent payments have been made on time. 

I am requesting a goodwill adjustment to remove the late payment mark from my credit report. This adjustment would greatly help improve my credit score and better reflect my overall payment history. I am committed to maintaining my account in good standing and have already taken steps to ensure that such an oversight does not occur again. 

I value my relationship with Region/AMS and appreciate your understanding and consideration in this matter. Thank you for taking the time to review my request. I look forward to your positive response.
Consumer complaint received 2024-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (FL)

On XX/XX/XXXX, my loan was sold to Freedom Mortgage. I have been trying to have my loan reviewed for a modification. Previous to my loan being sold, I was in a forbearance plan with my previous servicer, XXXX XXXX. For XXXX months, I was required to make XXXX XXXX of my mortgage payments ( XX/XX/XXXX through XX/XX/XXXX ), which I did. Unfortunately, XXXX never worked with me on a modification prior to them selling my loan. Since Freedom has been servicing my loan, I have asked several times, on several different occasions to have my loan reviewed for a modification. They do not review my file for all programs that XXXX  has available because they received an approval for a Partial Claim ( this will bring my mortgage current but not reduce my monthly payments ). Once they get the approval for the Partial Claim, they do not review for any additional options. This is not fair. XXXX has a new program that is called the Payment Supplement program which I do qualify for ( I completed the worksheet from XXXX XXXX website to confirm this ). They also have the XXXX Recovery Modification which I would also qualify for but Freedom Mortgage refuses to review my loan for these options. This is completely unfair and their refusal to review these options are going to cause me to lose my home.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (LA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX 6. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX  Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (VA)

I am writing to file a formal complaint regarding a collection account labeled CREDENCE RESOURCE MANAGE Account # XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-05-20
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (NY)

XXXX Balance details 0 % paid off Balance {$710.00} Balance updated O XX/XX/2024 Original balance {$710.00} XXXX XXXX XXXXexperian.com Account info Account number XXXX Open/closed Open Date opened XXXX XXXX Account type Secured Loan I I wrote this Company plenty of times. And took necessary steps to Try to get These a while ago and still, my credit score is down and just lost another point from where they have it. I cant. I cant get my business tearing up stressing my family out passing plenty of mental anguish throughout my loved ones. XXXX XXXX and XXXX are in a decent range, but as we know experience is excluding me from life and and positivity and prosperity. Cant even get a loan out to fix my credit debit Because of that experience score, I dont know thats not comparing up to the other credit reporting companies
Consumer complaint received 2024-05-18
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (AL)

Basically I have had a netspend card since XXXX and up until XX/XX/XXXX, I was using this card. During this time, I have had XXXX separate incidents with money being taken out of my account. Most recently, someone even created a virtual card. Just today, I have sent a disputed email to Netspend regarding charges that were made in my account. I am closing my netspend account but before I can, I have to get a new card, in order for me to have access to the money that is still in the account. I feel as though there is something going on with Netspend. I am not sure if this is an inside job or perhaps they have been exposed to a data breach that they have not made their customers aware of. Either way, I have been harmed financially because of it. I am a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, I can not afford for mishaps such as this to keep occuring. It seems as though, Netspend does not take enough action to protect their customers. Something needs to be done about their business practices. I am reporting this because I do not want this to keep happening to me, or anyone else. Please advise. 

Charges I am trying to get resolved now : Claim Date : XX/XX/XXXX Claim Number : XXXX ( removed for security purposes ) Claim Amount : {$1900.00} **there is one more charge but my account has been restricted and i can no longer access it. 

Previously, I had to dispute the following charges that were finally resolved : XX/XX/XXXXXXXX XXXX XXXX -pin purchase charge at XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$500.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX pin purchase charge XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  {$600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Mall, XXXXXXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX {$560.00} XXXX
Consumer complaint received 2024-05-23
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. (TX)

I have sent multiple letters to the credit bureaus regarding inaccurate items on my credit report. Despite my efforts, my letters have been disregarded, and I have received responses stating that I am using a third party.Which is wrong I'm the one who send out letters here 's the list of accounts and inquiries i want to delete XXXX XXXX XXXX XXXX. XXXX, XXXX {$2100.00} XXXX XXXX. 
XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$270.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX {$810.00} XXXX  XXXX XXXX, XXXX {$720.00} XXXX XXXX XXXX XXXX, XXXX {$800.00} XXXX XXXX XXXX  XXXX XXXX, XXXX {$0.00} XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : 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  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX For your review, I have attached my ID and the letters I previously sent.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am the consumer, natural person, and original creditor. Equifax/The Work Number shared my nonpublic personal information with Georgia Department of Human Services without my written instruction therefore causing me to be denied SNAP benefits. Pursuant to 15 USC, 1681b, Equifax violated had no permissible purpose to provide Georgia Department of Human Services with my nonpublic personal information. Pursuant to 15 USC 1681n, Equifax/The Work Number willfully failed to comply with 15 USC 1681b which requires it receive written instruction from the consumer before furnishing my consumer report to third parties.
Consumer complaint received 2024-05-23
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. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-23
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)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account # XXXX inside this complaint on dates of [ XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid on time never late immediately as they should be due to the fact i was never late
Consumer complaint received 2024-05-23
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. (UT)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX