davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (TX)

My name is 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CT)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/scrub>XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (OH)

On about the year XXXX  of XXXX I received a harassing phone call from a company XXXXXXXX XXXX XXXXXXXX representing as a law firm threatening to put a lien on my XXXX  about the XXXX XXXX  accountXXXX  I setup weekly arrangement to pay off the debt which i made a total Of 10 payments binweekey of XXXX until account was paid In full .. however, Im still receiving debt collection paper from different companies XXXX which now is title velocity investments. I have the account in dispute because I already submitted and resolve this account. The XXXX XXXX will not give me information on the account anymore. I been fraided already by XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-14
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: Navient Solutions, LLC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-03
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. (MI)

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 : DEPTEDXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiri

es : 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have student loan debt of just over {$100000.00} and my current loan holder is XXXX. I work for a local government agency so when I applied for public service loan forgiveness in XXXX, my loans were transferred from XXXX to XXXX, this transfer was completed I XX/XX/XXXX and as of that point my balance with XXXX was and remains to be to {$0.00} since XXXX of XXXX. All of my student loans are being held by XXXX. The issue is that the credit bureau Experian is reporting each student loan TWICE, once from XXXX and once from XXXX, so each student loan is being reported, the same loan number and balance, so instead of my student loans showing as {$100000.00} it is showing as {$200000.00}. I have filed no less than XXXX disputes and they still insist that I owe XXXX the money. I sent them the statement from XXXX thqt shows my balance is XXXX and loans closed back in XX/XX/XXXX and I sent them the letter from XXXX that shows my loans were transferred to XXXX but EXPERIAN REFUSES to actually investigate or update the balance. They show no update past XX/XX/XXXX and refuse to. As you can imagine this has caused terrible issues with my credit score dropping XXXX points, multiple credit cards being closed or limits significantly decreased by 90 % with thr student loan balance being mentioned specifically. At this point I'm afraid that I will be homeless when it's time to renew my apartment lease as the hit to my credit score may disqualify me.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

SEE BELOW LETTER SENT SEVERAL TIMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLUMBIA DEBT RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Final Leasing Invoice Dear XXXX  I am writing again to formally dispute the final leasing invoice I received, dated XX/XX/XXXX. Specifically, I am contesting the charges for a damaged carpet, pet trash, and sewer fees for XX/XX/XXXX, which I believe have been erroneously applied to my account. 

First, the invoice includes charges for a damaged carpet. I diligently cared for the property and ensured that it was returned in excellent condition at the end of my lease term. I dispute being held liable for any carpet damage, as this was not caused by negligence or misuse on my part. To that end, a thorough move-out inspection should reveal no attributable damage. Additionally, I requested a walk-through during the inspection. 

Furthermore, the invoice includes pet trash, sewer, and other fees after XX/XX/XXXX. It's important to note that per our lease agreement, my lease term ended on XX/XX/XXXX. Therefore, I again dispute being held responsible for any charges incurred after this date. I am confident that all contractual obligations were met and duly fulfilled by the end of my lease term. 

Kindly review the contested charges and provide a corrected invoice. It should clearly reflect the lease termination date of XX/XX/XXXX, and exclude the aforementioned erroneous charges for carpet damage, pet fees, and trash and sewer fees beyond my lease end date. I would also appreciate a detailed explanation of any charges that remain disputed. 

Please provide any and all back up and discovery that XXXX has to support its case within 30 days. XXXX continues to provide any documentation. 

Additionally, I am deeply concerned about the impact of XXXX ' erroneous reporting to the credit bureau. If this is not rectified within 30 days, I will have no choice but to file a complaint with the District Court of Maryland seeking punitive damages. 

Thank you for your attention to this matter. I am hopeful for a prompt resolution. Please contact me at XXXX or via email at XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally file a complaint regarding the failure of the XXXX major credit bureaus ( Experian, XXXX, and XXXX ) to update and correct my personal information on my credit report, despite my numerous requests. 
Recently, I reviewed my credit report and discovered several discrepancies, including incorrect spellings of my name and multiple addresses listed, while I only have XXXX current address. In order to ensure the accuracy of my credit profile, I submitted formal requests for correction and updates to all three credit bureaus, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ). 
Specifically, I requested the following updates to my credit profile : * Correct spelling of my name * Correct address * Removal of any other addresses listed on my credit report, as they are inaccurate, misleading & non-mailable address. 
To verify my identity and address, I included copies of my driver 's license to verify my address. 
Despite my thorough and compliant submissions, none of the credit bureaus have updated my information as requested. The discrepancies remain on my credit reports, which continue to reflect multiple incorrect addresses and the incorrect spelling of my name. This negligence on the part of the credit bureaus is not only a violation of my rights under 15 USC 1681, FCRA, GLBA, ECOA, PRIVACY ACT OF 1974 but it also jeopardizes the accuracy of my credit profile and impacts my creditworthiness. 
I am seeking your assistance to ensure that the credit bureaus take immediate action to rectify these inaccuracies. It is imperative that my credit reports reflect accurate and up-to-date information to maintain the integrity of my credit history.
Consumer complaint received 2024-04-29
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

An application was submitted for a mortgage modification. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the Loss Mitigation Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX complaint, I am requesting for the negative reporting to be removed from my credit profile.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Individual called everyone in my household phone number and threatened that if I did not respond yesterday by end of day that I would have a default judgement. I was at work and had time to call the number back, they said they were a law office and had sent out a letter over 30 days ago that I was supposed to sign stating I owed {$1800.00} on a credit card that had been written off over 10 years ago. They had my social security number, birthdate and current address. Stated that they would be sending someone to my house yesterday to serve me paperwork and tried to get my email address as well, but I did not provide. Stated that I would have to appear at XXXX XXXX XXXX and total fees not after attorney fees would be a little over {$4000.00}. I work at a car dealership and on XX/XX/2024 our XXXX XXXX ( which services XXXX stores ) had a cybersecurity hack. I do not know if this has any relation, but I do not owe any current debt. Please assist. I currently have all of my credit bureaus locked. The name of the law firm was XXXX and XXXX and the male I spoke with was XXXX. The number is XXXX. He was the one that told me how much I would owe. The initial calls being made to all of my family members, and I came XXXX and his name was XXXX XXXX Very threatening and invasive especially at a time like this when I am dealing with health issues along with family in the hospital. Does not help my anxiety at all.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (FL)

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). 
I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I am the author of this complaint. I've tried to apply for an apartment and was denied due to an inaccurate and unlawfully reporting account onto my credit report. FAIR COLLECTIONS & OUT are reporting multiple balances to different CRAs and has violated the Fair Credit Reporting Act pursuant to 15 USC 1681s-2b and are liable for actual damages and statutory damages of {$1000.00} per violation. I have not been able to apply for housing or a vehicle to commute to work due to this error. I have contacted the company and they respond with frivolous letters that does not address my issues. They claim that I owe a balance that I do not owe and they even admitted to it verbally on a recorded call.
Consumer complaint received 2024-06-14
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. (FL)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/year>. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (CA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1995 Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX