davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (TN)

Today I noticed that General Revenue Corporations has placed two collections on my credit profile claiming that I owe {$1600.00} and {$1400.00} to the College of XXXX XXXX. I have never even attended that school. These debts do not belong and I don't owe anything. How can I owe a school that I've never attended!!!!?????
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I checked my Equifax consumer credit report and noticed XXXX XXXX XXXX XXXX XXXX accounts that don't belong to me. I filed a police report with the XXXX police department ( attached ) and FTC XXXX theft report with the reference number XXXX. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft is the applicable law The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C XXXX section XXXX A states I have a right to privacy. 

15 U.S.C 1681 section XXXX A section XXXX States a consumer reporting agency can not furnish a account without my instructions. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 


XXXX XXXX XXXX XXXX XXXX XXXX account balance XXXX date opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX Account balance XXXX Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-28
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)

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 XXXXY 10/01/2023XX/XX/year>
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account. Following this submission, both XXXX and XXXX have removed this account from their records. 
I have also directly contacted the companies associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
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 filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite sending letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-28
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. (PA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2024-06-05
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. (CA)

Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Department of education is inaccurately reporting a debt on my consumer report without my written consent as required by consumer laws and federal laws. I have involved my rights to privacy and demand that my non public personal information is ceased from being shared from the department of education to all 3 credit bureaus. I have not received validation or any signed contract obligating me to owe the alleged debt. Department of education and all 3 credit bureaus is govern by less protecting consumers private information as well as obtaining accurate information before furnishing to a consumers report. I am demanding that department of education immediately stop the furnishing of my personal information shared to the credit agencies I have not given consent or given any agency power of attorney to act on my behalf. By law such information is to me from odd immediately. I hereby demand my rights to privacy be protected and my non public information stopped being shared with non affiliated 3rd parties. After this notice if my information is continued to be furnished I will be seeking civil damages for the violation of my privacy rights.
Consumer complaint received 2024-05-28
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. (PA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2024-05-26
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)

XXXX, XXXX, & Equifax continue to report an account incorrectly. I previously disputed the account XXXXXXXX XXXX Account # XXXX and each consumer agency stated they verified the account but neither consumer agency sent me documents or any information to prove they did a reasonable investigation furthermore the account is listed twice on my report which this means this is causing my credit scores to be reported incorrectly because this account is lower my utilization by listing it twice. Federal law states you have to have proof to report information onto a consumers credit report and they have no proof which is why they did not provide proof. This is my final attempt to get this account removed or provide me with the evidence you used or the person you spoke to who stated this information was verified. I request you upload it in the portal do not attempt to stall by saying you will send me mail because I have no received any response from my previous complaints.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2024 I checked my consumer credit report and noticed 2 XXXX XXXX XXXX XXXX accounts that don't belong to me. I filed a identity theft report with the FTC reference number XXXX ( attached ) and a police report with XXXX police department ( attached ) .15 U.S. Code 1681c2 - Block of information resulting from identity theft
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-28
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. (TX)

I requested an investigation into two fraudulent items listed on my credit report. The matter is still not resolved, and I was never notified of an update. It has been more than 90 days since I initially inquired. I submitted proof of legal identity, via driver 's license and social security card and my official registered identity theft report, listing the fraudulent activity. Despite that, nothing has been removed or resolved. 
The fraudulent items listed under my social security number, using a false name are : XXXX and XXXX. 

Their negligence is negatively impacting my credit score and my ability to obtain new and maintain existing credit lines. A simple investigation would show that the fraudulent accounts listed under my social security number do not match my legal government name.
Consumer complaint received 2024-05-28
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. (GA)

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. These accounts contain inaccurate information in their reporting. Compensation of {$1000.00} is expected for each mistaken entry on my credit file.
Consumer complaint received 2023-10-21
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. (TX)

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 this account ( A ). It is not permissible to fail to validate this reporting account 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 XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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. (CA)

I am writing to dispute the late payment recorded on my credit report. After thoroughly reviewing the information, I believe there are errors that need to be corrected.

Upon reviewing my credit report, I noticed discrepancies regarding the reported late payments. I have consistently met my financial obligations on time and believe there may be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX have already updated their records for this account. 

XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-05-28
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. (IL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$110000.00} XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2023-10-21
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. (NC)

I am writing to formally dispute several significant mistakes and discrepancies found on my credit report, which was recently obtained from your agency. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information being reported by your agency. 

Upon careful review of the credit report, I have identified the following errors and inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -Equifax -- -- - XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2024-05-28
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section XXXX 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 The XXXX failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2024-06-17
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. (NY)

I was sentenced to XXXX  years in XXXX. I was released this year XXXX. My social security card, ID, and birth certificate were left in my home at that time of my arrest and someone stole it. Someone has been using my information to open bank accounts, credit cards, get car loans etc... None of this has been with my permission. There were a few accounts that I gave power of attorney for but none of the ones listed in this complaint. All of the items should be removed. I was incarcerated and therefore none of these accounts belong to me.
Consumer complaint received 2024-05-28
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. (PA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Our property consists of XXXX lots : XXXX and XXXX. We are taxed at the county and town levels. Nationstar paid the county and town taxes on lot XXXX but not XXXX. I have been calling them since XX/XX/XXXX but this issue is still not resolved. I have faxed in the tax bills to the number listed online but when I speak to a representative they have no record of lot XXXX nor the tax bills. After each call the representative says they will get back to me. They have n't. When I ask by name for a person I previously spoke to the new representative seems to have never heard of the former person. I will soon be receiving a notice from the county and town for failure to pay taxes.
Consumer complaint received 2024-05-26
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. (IL)

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 informationisinaccurate.
Consumer complaint received 2024-06-17
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. (OK)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-05-26
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. (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.

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 informationisinaccurate.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

According to 15 U.S Code 1666B, the Federal Reserve Board is required to establish regulations to protect consumers from unfair and deceptive practices regarding credit card accounts and overdraft services. These regulations aim to promote transparency and fairness in the credit card industry, ensuring that consumers are fully informed about the terms and conditions of their credit card accounts and are not subjected to unfair or deceptive practices by credit card issuers. 

According to Section 15 U.S Code 1666B, I have been working on improving my credit and my understanding is that it takes five consecutive on-time payments for one late payment to be removed from my credit report. I have diligently made more than five consecutive payments on all my credit cards, demonstrating my commitment to paying as intended. Therefore, I am writing this letter to request a resolution that will either remove these late payments from my credit report or minimize their impact on my credit history. 

Additionally, it is worth noting that credit card protection was purchased for certain cards. This means that in the event of any hardships or unforeseen circumstances, the minimum balance required to be paid would be covered, and no late payments would affect the credit history during the time of these difficulties. However, during the XXXX pandemic, when many people faced financial challenges, none of the credit card companies extended their support or offered any assistance, despite the credit card protection that had been paid for. 

The accounts and creditors are listed below XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX days late For the month of XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-17
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. (AZ)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX