davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc. (TX)

Upstart loan place XXXX XXXX  charge off on my credit XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Information Under 15 USC 16Bib and Request XXXX lam writing to formally dispute inaccurate information containe in my credit report, as permitted by the Fair Credit Reporting Act ( XXXX, specifically under both 15 USC 1681b and 15 USC 1681c-2. This dispute pertains to the information reported by your agency under the permissible purposes outlined in 15 USC 1681b, as well as my request for blockng information related to identity theft under 15 USC 1681c-2.

I recently obtained a copy of my credit report from your agency and have identified the folowing inaccuracies : Account Name : [ Upstart Account Number : [ XXXX Date of Reporting : ( XXXX ) Description of inaccuracy : [ This account is being reported as a charge off on my account this account is not mine company has not surrendered any supporting documents to me showing proof that this account is mine to be accurate or true it has been pass 30 days if the allowed time Please removed account immediately from my credit profile for Under 15 USC 16816 , consumer reporting agencies must ensure that the infrastructure they report is used for permissible purposes only. I am disputing the accuracy of this information, as it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 16815.

Additionally, I suspect that this inaccurate information may be a result of identity theft, which falls under the provisices of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information it a is found to be a result of such unauthorized activity.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Consumer Financial Protection Bureau Subject : Dispute of Derogatory Accounts and Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple derogatory accounts and credit inquiries listed on my credit report, which I believe are a result of identity theft. Enclosed are copies of the relevant documents supporting my claim, including a police report and fraud affidavit. 

Below are the details of the accounts and inquiries in question : **Derogatory Accounts : ** 1. **Account Name : XXXX  XXXX XXXX  XXXX XXXX XXXX* - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$880.00} - Remarks : Charged off as bad debt, In Collections/Charge-off 2. **Account Name : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$640.00} - Remarks : Placed for collection 3. **Account Name : XXXXXXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$260.00} - Remarks : Account information disputed by consumer 4. **Account Name : XXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$1800.00} - Remarks : Placed for collection 5. **Account Name : XXXXXXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$2500.00} - Remarks : Account information disputed by consumer **Credit Inquiries : ** 1. **Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX 2. XXXX : XXXX XXXX Services** - Inquiry Date : XXXX XXXX, XXXX I request that the Consumer Financial Protection Bureau investigate these accounts and inquiries and take appropriate action to rectify the situation. I have reported this identity theft to the relevant authorities and have also contacted the creditors associated with these accounts. 

I affirm that the information provided in this letter is true and accurate to the best of my knowledge. Enclosed are copies of the supporting documents for your reference. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data branch and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I looked at a copy of my credit report on XX/XX/year> and noticed an inaccurate reporting on my credit file. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item to ensure accuracy. Below is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also XXXX  Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

I currently have a home mortgage with Wells Fargo of XXXX XXXX, Iowa. 

Several years ago I was about 7 months behind in my monthly payment due the death of my son and incurring a large amount of expenses in legal and funeral costs. 
Wells Fargo Mortgage offered to allow me to refinance the home mortgage loan so I would not lose my house. I was 7 months behind. 

My current monthly mortgage payment is {$1200.00} with XXXX interest. 
My current mortgage payment records show the following : Principal {$43.00} Interest {$320.00} Escrow {$860.00} Total amount due monthly {$1200.00} My unpaid principal balance is {$66000.00} Please take note : My maturity date is XX/XX/XXXX What has happened? 
Why could my home mortgage be considered paid in full in 36 years? What kind of loan and hidden expenses have I been paying. This seems to be illegal and unlawful.
Consumer complaint received 2024-05-01
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)

This is my second request. 

Please remove the following Inquiries of my report. 

XXXX XXXX XXXX ( XXXX Inquiries showing ) XXXX XXXX XXXX Also please remove all fraud alerts and statements.
Consumer complaint received 2023-03-13
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. (PA)

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 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 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$7400.00} Last Verified : Not available Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bulk Purchase Finance Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Original Creditor : Not available Payment Amount : {$0.00} Last Payment : Not available Term Length : 1 Month ( s ) Past Due Amount : {$7400.00} Account Type : Unknown - credit extension, review, or collection Payment Frequency : Not applicable Credit Limit : {$0.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Consumer complaint received 2024-04-24
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. (PA)

FCRA 605B, I believe, mandates the elimination of any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate concerning reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-04-24
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)

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 
15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was shocked to see incorrect accounts suddenly appear on my credit report tonight, and I have no idea how this could have happened. I routinely check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Because of this, I am requesting a thorough review of the documents I've submitted so I can put this worry to rest.
Consumer complaint received 2024-04-24
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. (WI)

I am writing to follow up on my previous complaint regarding the persisting negative accounts on my credit report. I am concerned about the recurring nature of these disputes and the lack of a satisfactory resolution.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, 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. (IL)

THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I reviewed my Consumer Report and noticed thad I had deferent late payment on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accurancy I have never been late on payments for the XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE INVESTIGATE and provide proof with statement showing that these payment were late if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE THANKS
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (IN)

Contacted a family member with a text message displaying personal information, AGAIN, after addressing this exact issue in XX/XX/2022, and being assured the family members phone number was removed and they would not be contacted again.
Consumer complaint received 2024-05-01
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. (GA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation. ''
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I just recently looked at my credit report on XX/XX/year>. However they are reporting this late payment is inaccurate. I sent a letter to fix this problem but I haven't seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate. But they did not, This is a violation of my federal right. Can you help with this matter. Thank You I sent a certified letter on XX/XX/year> with a letter my rental agreement, social security card and a bill. tracking number is XXXX XXXX XXXX XXXX XXXX XXXX from USPS.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( XXXX ) 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.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (MO)

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX {$510.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-29
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. (NV)

XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, 2023 is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-01
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. (GA)

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