davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (CA)

I looked at my Experian credit report on XX/XX/2024 and noticed an account that is NOT ACCURATE. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 


XXXX XXXX Account Number : XXXX -PLEASE UPDATE THIS ERRONEOUS INFORMATION And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

This information is invalid and must be deleted immediately as I have experienced extensive hardship over this late payment.

Under 15 USC 1681e ( b ), THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have attached a screenshot of the late payment in question as XXXX has this payment CORRECT and listed as PAID ON TIME/NEVER LATE on their report. 



I am attempting to settle this privately. Please correct this late payment to PAID ON TIME/NEVER LATE by 14 days of receipt of this letter and send me an updated report.
Consumer complaint received 2024-08-31
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. (MI)

Sent the company a letter certified mail with no response or proof asked. They are fraudulently reporting this to my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents for my review.
Consumer complaint received 2024-05-15
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. (MI)

I looked at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX are not complete and accurate. 

XXXX XXXX XXXX XXXX XXXX ] The account is a closed account and still being charged & is going up about $ XXXX $ XXXX. 

[ XXXX XXXX XXXX XXXX ] This account is closed & Paid Off. 

Also all reports being reported without my consent and/or knowledge of being reported is in violation of the FCRA which I do/did not give any consent to do so.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (TN)

I received my credit report for the first time in a while today and I have multiple of inquiries on my credit report that I believe are fraudulent. I did not authorize any of these companies to run my credit. My identify has been stolen. I have expressed my concerns with Experian already because someone with the same name as myself accounts were generating on my consumer report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2024-05-15
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-15
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account number 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

Reporting multiple amounts as well.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NJ)

ON XX/XX/2021 CORELOGIC CREDCO RECEIVED AND SIGNED FOR MY LETTER VIA US ( CERTIFIED MAIL # XXXX ) THAT WAS DATED XX/XX/2021, THE LETTER SPECIFICALLY REQUESTED THAT A SECURITY FREEZE BE PLACED ON MY CORELOGIC CREDCO CONSUMER CREDIT FILE. CREDCO FAILED TO ADHERE THE THE FCRA AND FACTA ACT BY NOT HONORING MY REQUEST FOR A FREEZE ON MY CONSUMER FILE. CREDCO ALSO RECEIVED COPY OF MY STATE OF NJ DRIVERS LICENCE AND WEEL AS A COPY OF MY SOCIAL SECURITY CARD THAT CLEARLY IDENTIFIES MY IDENTITY. CREDCO RESPONDED BY SENDING ME A REPLY LETTER ABOUT IRRELEVANT INFORMATION ABOUT OTHER CREDIT BUREAU AGENCIES PROCEDURES EVEN THOUGH I SPECIFICALLY STATED IN MY REQUEST TO FREEZE MY CREDCO CONSUMER CREDIT REPORT. 
ATTACHED TO THIS COMPLAINT IS MY REQUEST LETTER ( WITH REDACTIONS ) FOR THE FREEZE AND CREDCO ERRONEOUS REPLY TO MY REQUEST. 

IF MY REQUEST IS NOT HONORED I WILL SEED DAMAGES IN A COURT OF LAW.
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I'd like to report another infraction by the slimeballs at Mullooly Jeffrey Rooney & Flynn XXXX ( MJRF ). 

They sent the attached to me and told me that they are rejecting service from me as " improper '' I do not understand the use of the word. I did try to look it up. The definition I find of improper in XXXX is unhelpful as I'd argue MJRF does not have good manners, my mail was suited to the circumstances, and I do have the right to depose folks as part of fact finding in my law suit. 

: not proper : such as a : not in accord with propriety, modesty, good manners, or good taste improper language b : not suited to the circumstances, design, or end improper medicine c : not regularly or normally formed or not properly so called d : not in accord with fact, truth, or right procedure : incorrect improper inference
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I regret I have yet another instance of violation of the FDCPA from the firm I have come to refer to as MJRF.

Any resemblance to past violations and complaints of violations is due to the fact that MJRF have not stopped violating the FDCPA, despite being warned multiple times that they are doing so.

I received the attached envelope a few days ago.

You'll notice it's distinctly different from any other envelope I've included.

So this is another violation.

Under the FDCPA, 15 USC Section 1692f it is forbidden for debt collectors to put on envelopes any language or symbol, other than the debt collectors address.. This was affirmed in the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The firm MJRF continues to violate this portion of the FDCPA.

The ridiculous thing is someone wrote the return address in there. I view this as a real " XXXX XXXX '' from MJRF that they couldn't just write their address on the return address, and omit their firms name, as I have repeatedly asked.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have a mortgage with Lakeview Loancare. They had a data breach on or around XX/XX/23. No transparency was provided, and yesterday ( XX/XX/23 ), I receive an email stating, " We're Back Online '' in the subject line. In the body of the email, there was no admission of what happened. Come to find out, they were impacted by XXXX XXXX XXXX systems being hacked for ransomware. They were " offline '' for several days and I had no idea! Lakeview stated in their emails customers now need to re-enter their bank account information ( which still doesn't work ) on their *new* portal. I don't feel comfortable trusting this company with any information ever again. This is insane when you think that they have my SSN, DoB, Address, BANK ACCOUNT Information, etc. This company needs to get heavily fined and a class action suit should be filed against them. I am so upset over this, and worried about having to continue to do business with such a poor, unethical company.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 U.S.C 1681 XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # xxxxxxxxxx XXXX XXXX XXXX # XXXX XXXX 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 2024-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

This debt was owned by a previous debt collection company known as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. This debt has already been reported and disputed. 

This collection agency has been given explicit instructions to not contact me by phone and only communicate in writing on XXXX pm on XX/XX/year>, and proceeded to call again at XXXX pm on XX/XX/year>. Prior to the excessive number of calls to my private property, I was sent a letter claiming a debt of a different amount from the following company was owed by the same original debtor with the same account number. Requesting further documentation such as a full account summary and the original contract with WET INK signature not only was this not provided. But when I finally received communication they had purchased my information WITHOUT my consent and have not been able to produce any valid documentation. This debt has been disputed. XXXX Report XXXX XXXX My information is being held by CREDENCE RM without permission by me, purchased from XXXX of the above mentioned corporations. CREDENCE RM is in violation of 15 U.S.C 1692g, 15 U.S.C 1692e possessing my sensitive information without my consent, and has not been able to produce a license lol number to confirm they are legally able to collect such debt. Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history.
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My husband is on a solo bicycle trip In XXXX XXXX. Not wanting to take cash, he took XXXX credit card Capital One Visa. While In a very remote location, without any warning Capital One Visa deactivated both my husband 's and my cards and All transactions rejected. I am not In need of the card but my husband is stranded in a remote arena without means to pay for food or shelter. When he contacted Capital one, they connected him to the Fraud divison. They said the card was rejected and wo n't give a reason why. They requested him to send them certain identification information He did tthis. Capital One Visa response was that this was not sufficent and requested he send more information which he did not carry with him. He called me In the US & I sent the additional information. I have confirmation that they recieved it, yet they say they have not recieve it. I sent the same required Information to my husband in XXXX & he resent it. This dispite capital one Viisa Venture card is requesting personal information that was not required to even qualify for this card. Im concerned & suspicious In addition to being very upset with the non concern, rude treatment from the members of the Fraud staff. They even told me that this capital One Visa Venture card is not connected to Capital One Bank. I am afraid this is a scam and invollves the Use of giving bonus points after spending {$3000.00} dollars within 3 months. We paid them {$3900.00} within one month and they canceled the Capital One Visa Venture card at the most inoportune time possible, to avoid the bonus offer. No reason, No help, and it appears possible data mining & possible identification Fraud from the " Fraud Dept '' of Capital One Venture Visa. I reguest you please investigate this company and prevent others from this most distressing experence.
Consumer complaint received 2024-05-15
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-24
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: PENTAGON FEDERAL CREDIT UNION (PR)

Ever since XXXX, I have been receiving Inquiries that are not authorized by me at all. I am a busy person, studying a double major, work part-time and belong on 5 different student/professional organizations and barely have time for myself. 

So, I do not know what is happening, I've been a careful person with sensitive information and for some reason, my information or at least part it got exposed somewhere. I called XXXX, XXXX and XXXX to report fraud alert and credit freeze. XXXX told me to provide any document I receive from any agency that works with fraud alert ( Federal Trade Commission, Identity Theft, Consumer Financial Protection Bureau and so on ), and mail them to the address XXXX has provided me. 

I wish there is was to know what device and which location the person is getting my information for and the websites visited to apply any credit card or loan. I've been complaining with many banks and government agencies since XXXX because someone is using my social security for employment benefits. 

The information of the inquiries is : XXXX and XXXX Report : XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX __________________ XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX __________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX ___________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX _____________________ PENTAGON FCUXXXX Inquiry : XXXX. XXXX, XXXX XXXX : XXXX XXXX, XXXX No contact information has been reported by this creditor. 
________________________ XXXX Credit Report : XXXX XXXXXXXX XXXX and XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX __________________________ XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-15
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. (NY)

CFPB LETTERS FOR CRA AFTER ALREADY COMMUNICATING NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (CA)

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 2024-05-15
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: Experian Information Solutions Inc. (NC)

Requested four times the company 's verify the accounts with physical verifiable proof with my signature on documents via mail. The company 's or credit agency never sent any proof via mail stating anything just ignored my request multiple times. I am sick and tired of being ignored so I'm filing this complaint to try to get justice as a consumer with rights. I will upload proof of my documents I sent in to them and they never replied or contacted me via mail.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.