davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
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. (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.

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 2023-12-04
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. (TN)

I have been disputing these negative accounts on my credit reports and have submitted FTC reports and police reports according to the FCRA. These documents are not being attached to my disputes and the process per the FCRA is not being followed. And I am not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023, I received a notice from XXXX of a hard inquiry from Capital One Bank which I did not authorize. This notification came as a surprise to me since I have not requested any financial products from Capital One Bank or any other bank on those dates nor have not been on the market requesting any other financial products from other institutions. I contacted Capital One Bank and did nothing to assist stating that the issue must be addressed and resolved by XXXX. I then communicated with XXXX and said they were going to address this situation and send the bank a notice to correct and remove the inquiry. Days later I then follow up with both XXXX and Capital One Bank because the inquiry was till showing up and nothing was done to assist me. Again I communicated with XXXX and they stated that they were going to take action but I had to wait 30 days from the date of the inquiry was made for the information to be corrected when my monthly credit report refreshed. After 30 days I call again XXXX and a person from XXXX 'assisted ' me and said that no action had been taken and that I needed to go to the local police to make a complaint. 

I need my credit report to be corrected because Capital One Bank has not done nothing to correct this inquiry and XXXX has not been proactive in resolving my issue either, giving me three ( 3 ) different versions of steps to be taken to correct my information however, nothing has been done. 

I do not have any relationship with Capital One Bank and have not submitted requests to be considered for their products.
Consumer complaint received 2023-12-29
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc. (PA)

I have written several letters to " Finance System of Richmond '' dated XX/XX/XXXX and XX/XX/XXXX. They have not responded to either letter. They are continuing to report on my credit, with Verification of the account provided to the credit bureaus. I AM THE CONSUMER, I DEMAND THAT THEY STATE WHY THEY ARE ON MY CREDIT REPORT! They have sent me nothing in the mail as requested, a violation of the FDCPA. They have continued to report an invalidated debt to the credit bureaus, a violation of the FCRA. I DEMAND JUSTICE! PLEASE HELP ME!
Consumer complaint received 2023-03-13
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. (NY)

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 2023-03-13
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. (NY)

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 2023-06-27
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. (WI)

While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquires : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, to produce a contract between you and I, Consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have within 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have given the credit beaurea almost a year out of the 30 days for them to do a proper investigation of my credit report. They have failed to do so. I took the liberty to again go behind them and verify that the information is not accurate and/ or improperly placed on my credit report. I have been back and forth with the student loan furnisher to get them to tell the credit reporting agency to removed the student loan accounts that should not be on my accounts at all because I am not in default! They stated they requested the accounts be removed. I contacted the credit agency by phone and letter and they are advising me that they can not do it unless I attach the letter showing I'm not in default. Well the letter is attached along with other information showing that my credit report investigations were not done properly and not accurately reported. Also NONE OF THEM has yet to show me written consent to furnish my accounts. I have enclosed credit reports with highlighted discrepancies as well as student loan documents and this is my final attempt. The credit agencies does not respond to letters and they keep sending the same lies and feedback. This is not okay. My consumers rights have been violate across the board and for years. I have no received a violation payment or deletion of the accounts. Just closed. I don't need the accounts closed I need them removed because they should not be there. I appreciate you all mediating this for me ; however the credit beaurea are not caring about my rights or your time it takes to help consumers.
Consumer complaint received 2023-03-13
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. (FL)

I recently received a copy of my credit report and found that you are illegally reporting in accurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$180.00} XXXX XXXX ( COLLECTION ACCOUNT ) DATE ( XXXX XXXX ) XXXX XXXX BALANCE {$3300.00} DATE ( XXXX XXXX ) XXXX XXXX XXXX XXXX BALANCE {$7600.00} DATE ( XXXX XXXX ) This is violation of the FCRA and is also in violation of requisite METRO 2 Complaint Reporting Agency standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA METRO 2 COM : LAINCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliance and verifiable. I demand that these above-mentioned derogatory items BE REMOVED.
Consumer complaint received 2023-12-04
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. (TX)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 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 2023-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

After checking my CONSUMER report I noticed a few updates with companies posting there. COMENITY BANK/BOSTON STO being one of the companies. COMENITY BANK/BOSTON STO is alleging that i have an alleged debt totaling {$250.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFPB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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. (AL)

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

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 XXXX 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 2023-12-04
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. (NC)

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.

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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Ok so look! Im tired of using the codes and pointing the codes out to the cfpb and these credit bureaus! YOU GUYS DO NOT LISTEN AND YOU GUYS REFUSE TO DO THE RIGHT THING!! I HAVE PROOF! I HAVE SOLID PROOF COLD HARD SOLID PROOF!!! WHO EVER READS THIS PLEASE PAY ATTENTION TO MY ATTACHMENT! EXPERIAN!! XXXX AND XXXX DELETED THIS ACCOUNT FROM MY REPORT!! THEY PUT IT BACK ON AND DID NOT FOLLOW THE PROPER PROCEDURE NO ONE NEVER SENT ME A REINSERTION NOTICE OR ANYTHING RELATED!!! EXPERIAN TOOK THIS ACCOUNT OFF THEY DID THEY THEY DID!!!!!! THEN THEY PUT IT BACK ON!!!! FOR NO REASON THEY NEVER SENT ME A LETTER STATING WHY!!! Yes Im frustrated and yes Im writing in all caps!!!! IM TIRED THESE COMPANIES KEEP THINKING THEY CAN XXXX US!! No not anymore!! Experian removed this account then put it back on and they CAN NOT DO THAT WITH OUT THE PROPER PROCEDURE!!! where is the letter Experian!????? Huh where is the reinsertion letter???? YOU NEVER SENT ONE!! Please remove the XXXX ACCOUNT FROM MY CREDIT REPORT! Please do not respond with be specific! I AM BEING CLEAR!! Please delete the XXXX ACCOUNT. I have attached proof that you deleted it and that you keep putting it back on! Delete this please! Do not respond with this item has been verified. It was deleted already and you reinserted it and you NEVER SENT ME A LETTER OF REINSERTION!! Deletion is admission of guilt and reinsertion requires a process to be followed according to the U.S.C! Please remove this and stop defaming my character! I am asking nicely. I will file suit for defamation of character!
Consumer complaint received 2024-05-04
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. (IL)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00}
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

It is my right to use the Fair Credit Reporting Act Law to protect my consumer report rights to privacy and confidentiality. 

XXXX XXXX XXXX Opened : 9/23/2014 Account # 1024703346001 My consumer rights were violated with incorrect reporting on this account.

Consumer Law 15 U.S.C. 1681 Sec. 602 A. States my rights to privacy. 15 U.S.C. 1681 Sec. 604 A Sec. 2 : States that the consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) 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 7 years. 15 U.S.C. 1681 s 2 ( A ) ( 1 ) A person SHALL NOT furnish ANT information relating to a consumer, ANY consumer reporting agency if the person KNOWS or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have multiple student loans with XXXX/Navient. Between XXXX my student loan payments were being misapplied to either the wrong loans or to only one loan out of the multiple. The loans went into default even after several phone calls to XXXX XXXX to resolve the issue including providing proof of payment. Ultimately three of my loans went into collections and they reported marks on my credit report. I am now repaying my loans on the loans in collections. However, even those payments are being misapplied or suddenly stopped all together ( I have auto debit ). I have received letters now asking for full payment of the $ XXXX I owe them.
Consumer complaint received 2018-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am not sure if my last request went through.I have been trying to get a loan modification from XXXX, Nationstar and now MR.Cooper. 
Was approved for a loan modification with XXXX but before I was granted a trial modification I was transferred to Nationstar. My hardship is a divorce after XXXX years of marriage.I have been trying to get a loan modification and I have tried at least 5 times. 
I have been at my job for over 25 years and I want to be able to stay in my home that my XXXX children live in and myself. 
My latest modification request came back as denied for '' Insufficient Monthly Payment Reduction. " -And I was told there are no other options for a loan modification.
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15 US Code 1605 " Definition of a FINANCE CHARGE '' XXXX XXXX XXXX XXXXXXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if th
e open date is wrong.

Then I ask them to provide me description of the investigation according to

15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system My information was used without my consent which created accounts that im not aware of. U

nder 15 us 1681c-2 these items must be remoled. Remaining Inquires According to 15 use 1681eb Every
thing must

be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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.
This is violation after violation after violation. This is causing me stress because I have no hope with this system