davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
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: Avid Acceptance, LLC (TX)

I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.
Consumer complaint received 2019-02-09
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: Experian Information Solutions Inc. (NY)

On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.
Consumer complaint received 2023-10-19
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)

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXXXX/XX/XXXXI DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
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: EQUIFAX, INC. (NJ)

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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
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: EQUIFAX, INC. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
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: EQUIFAX, INC. (NY)

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 2024-06-05
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. (VA)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-05-22
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)

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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX 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 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: EQUIFAX, 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-22
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. (PR)

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 inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

I deposited a check from my employer XXXX XXXX XXXX in the amount of {$1000.00} on XXXX XXXX at XXXX into my checking account through ATM. Immediately after I deposited my check {$230.00} was available at my leisure. I spend {$40.00} out of that amount which wouldve left me with {$190.00} Later on that day I tired to make a purchase and to my knowledge my card declined for insufficient funds. I then call the bank to see what the problem is. I was told that the money I did have in the account was on hold and that my checking account is now in the negative for the {$40.00} and my deposited check would be on hold. Now I am being told I cant receive all my funds until the XX/XX/2023. I have bills and to hold a check for that long? Ive never experienced this before at any other bank Ive banked with. This is unexpectable. US bank is also refusing to give me back the check.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THESE ACCOUNTS IMMEDIATLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance
Consumer complaint received 2024-05-22
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. (SC)

On XX/XX/XXXX I notice that Equifax and XXXX are reporting credit inquiries on my report that I didn't authorized nor did I benefited from. I DID NOT authorize the companies to make any inquiries or view my report. 

I did not give you Equifax or XXXX permission to furnish this information to my report. This violation the Credit Report Act section 1681b ( c ) and constitutes as fraudulent activity and is also a serious breach of the privacy act of 1974. 
Equifax 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
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently made timely payments on this account, ensuring they never became overdue. I'm puzzled as to why there are reports of late payments on my accounts. According to 15 USC 1666b, this billing error should be corrected.
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Greetings, Copies of the note and the mortgage has not been given to me period. i have asked for the note and mortgage agreement from the beginning of time and i have not gotten it. 
XXXX had the loan who sold it to, XXXX  XXXX XXXX, then had Nationstar mortgage billing, after each bank has been asked for the note and mortgage. Over the course of the loan and communications to the companies payment has been paid in full as of XX/XX/2018 the bank has doctored information changed records committing fraud, theft of funds, and securities fraud. The C.e.o. has been notified and has failed to response. 
this has in-turn resulting breach of trust, breach of fiduciary relation in a private, priority, special, proprietary trust arrangement. The trustee is now in breach and has failed to close this account. The bank stating that checks was cashed was false per the report from there bank and the bounced check from XXXX XXXX XXXX. Transcripts from mr. cooper a.k.a nation star has changed records, falsely represented information, theft, and have committed several other violation United States Constitution and law.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GLOBAL CLIENT SOLUTIONS, LLC (AK)

From XX/XX/XXXX to XX/XX/XXXX, we entrusted XXXX Legal Group with over {$9400.00} for debt consolidation services, which were to be processed by their sister company, Global Holdings. Despite this substantial payment, only {$2200.00} was used to pay debts, and no debts were settled. This leaves over {$7000.00} unaccounted for, which is particularly concerning as taking any fees without settling debt is illegal. 

On XX/XX/XXXX, we requested a refund and the termination of our partnership. We received a response on XX/XX/XXXX, confirming the cessation of drafts on our account and the initiation of the refund process. However, as of now, we have not received any funds. 

We have made numerous attempts to contact both companies via phone and email, but all efforts have gone unanswered. Additionally, over a month and a half ago, we were locked out of our account portal, preventing us from monitoring any actions taken regarding our funds. This lack of communication and failure to refund our money is unacceptable, and we demand immediate resolution.
Consumer complaint received 2024-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$34.00}.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2018-04-24
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. (PA)

Fruad account stolen identity Account was deleted XX/XX/XXXX and then added back to credit report 30 days later XX/XX/XXXX when account was deleted the creditor name was XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX  when account was added back to credit report credit had change there name to XXXX XXXX XXXX/XXXX/XXXX XXXX and is trying to report the same account under different name with same account number XXXX for this account I attached copies from my online Experian resulted showing the account was deleted with the same account number and the added back on to my report also attached copy of police report Creditor XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY
Consumer complaint received 2024-05-23
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. (FL)

XX/XX/year> Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/year> Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XX/XX/year> Company : XXXX - XXXX XXXX Address : XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX
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: EQUIFAX, INC. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 
Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information.

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (TX)

We moved into XXXX XXXX XXXX in XX/XX/XXXX as we had sold our house quicker than expected. We closed on our new home on XX/XX/XXXX and moved out of XXXX XXXX on XX/XX/XXXX, at which time we were told by XXXX XXXX that our account was paid in full and had a XXXX balance. A considerably long time after that, we received a letter from Pro collect stating we had been placed in collections, at first they told us we had moved out in XX/XX/XXXX, not XX/XX/XXXX. I repeatedly told them their information was incorrect, but they kept on sending me collection letters, I asked for the information that was provided to them by XXXX XXXX, & it is false. I have tried numerous times to contact pro collect without success and have filed several disputes through experian again without success. I believe the actions of this debt collection company is in breach of the Fair Credit Reporting Act.