davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concern, On XX/XX/XXXX a loan was issued for the XXXX XXXX with myself being the co-borrower. On XX/XX/XXXX I left my marriage due to domestic XXXX, I left everything from my clothing to the XXXX with the primary focus being my safety. Fast forward to present day, I have contacted Capital One Auto Finance twice to request a co-signer release and detailed my reasoning pertaining to having to leave due to domestic XXXX. Knowing that I needed to further support my claim, I explained in detail several other concerns, despite not having the car in my possession I have continued to make the payments, the financial hardship I am experiencing as of present and a very concerning matter. I am presently a XXXX and every day that he drives the vehicle is a risk to me losing my XXXX license. The reason being is his license is suspended, the fact his license is suspended resulted in the vehicle being registered to myself which puts me in substantial jeopardy either financially or with my career or both. As explained before, I explained all of this twice and both times I was given the run around. Yet on their website it discusses that there is a possibility to be granted a release and I quote if you meet certain conditionsmainly, you made each loan payment on time for several years. I have met this condition, I know the ultimate decision is theres, but I am not getting anywhere with Capital One and as one last attempt, I decided to file a complaint to protect my XXXX license and financial future. If necessary I can provide police reports and bank statements to prove I am current with the loan.
Consumer complaint received 2024-06-14
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. (LA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification. 

t.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is a request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I'm asking for proof of my obligation to pay and evidence that I am the party you're seeking payment from. This isn't a request for verifying my address, but a formal demand for validation.

If your company or the company you represent continues to report invalidated information to credit bureaus, it may constitute fraud. I'm prepared to take legal action for any violation of the FDCPA.

If you're able to provide the required documentation within 30 days, I'll review it. During this period, all collection activities must stop. If you fail to respond, all references to this account must be removed from my credit file.

Please provide the following : Agreement authorizing collection on this debt.

Agreement with my signature agreeing to pay the creditor.

Any insurance claims or judgments related to this account.

Creditor 's name and address.

Debtor 's name and address.

Alleged account number, debt amount, and payable date.

Verification of debt assignment or sale.

Detailed accounting of the debt.

Commission information for successful collections.

If any part of this request is incomplete, it will not be considered. Please allow 30 days for processing once I receive this information.
Consumer complaint received 2024-07-04
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. (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 : XXXX XXXX XXXX ( XXXX ), Account name : XXXX XXXX XXXX Account name : THE XXXX XXXX BANK XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 2024-07-12
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Dispute of Unverified Addresses and Incorrect Information - Demand for Immediate Removal. 



I am writing to you because of the previous disputed information in my credit report history and I have identified the following issues and reason why these are completely inaccurate and the following accounts that have been illegally added to my credit report without proper verification : Unverified Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Information : property address information was called XXXX XXXXXXXX XXXX and their business is INACTIVE due to admin dissolution for Annual report. 



XXXX Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX 2.Incorrect Information : Property Information is called XXXX XXXX  XXXX XXXX. never had a lease or any important documents sent to this location. I have no business or anything tied to this property. 













1. Unverified Addresses : XXXX XXXX XXXX XXXX PA XXXX 2.Incorrect Information : property information is a house but I never had lease or rental agreement documents. I never signed or put my personal signature on anything pertaining to this location. 





1. Unverified Account Information : XXXX XXXX XXXX 2. Incorrect Information : This account is closed and the creditor considers it a loss. In fact, I noticed the old address XXXX XXXX XXXX XXXX, XXXX FL XXXX is/was the original but recently updated and changed to current. But the address is not only inaccurate but not on listed my credit history. 





1. Section 605 ( a ) which prohibits reporting of outdated information.

2. Section 611 ( a ) which requires you to conduct a reasonable investigation to determine the accuracy of disputed information.

3. Section 623 ( b ) which requires furnishers to verify the accuracy of information provided to credit reporting agencies.

Furthermore, as per the FCRA Section 611 ( a ) ( 5 ) ( B ), if an item of information has been previously deleted, it may not be reinserted in a consumer 's file unless the person who furnishes the information certifies that the information is complete and accurate. I demand that these illegally added and unverified accounts be immediately removed from my credit report. Failure to do so is a violation of federal law and may result in further legal action. Please provide a written confirmation of the removal of these accounts within 30 days, as required by the FCRA.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (NC)

Flagstar bank has reported my mortgage late 150 days to 3 credit reporting agencies while my account has been in a billing error status ( 12 CFR 1026.13 ) since XX/XX/2024. I have requested that they send me all the accounting according to GAAP. They have yet to do so. Instead I was sent a ledger and a letter stating what Im asking basically is too much work. Pursuant to 12 CFR 1026.13 ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Then my account was in a loan modification status and I sent in the documents to the return address and was ensured no payments were going to be reported late and they illegally did that as well. I also informed them by mail and phone that there was a default in my letter of credit/bill of lading/good and I am authorizing all the accrued interest and fees be applied in full and refunded per terms and agreements. My account has yet to be credited according to UCC 3-603. I gave acceptance and consideration and returned the good. They are now telling me that my home is in a foreclosure status but have not given any administrative process or notices to me in regards to that. They are trying to me illegally foreclose on a home that I have a perfected UCC1 lien that I security interest in. The mortgage deed and the note have been separated and sold which also makes a breach in the contract and cancels out the mortgage. XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2019-01-30
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. (NC)

In XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-12
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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: EQUIFAX, INC. (FL)

In Accordance with the Federal Credit Reporting act XXXX  Account # XXXX has violated my rights 15 U.S.C s1681 section 602 A.States I have the rights to privacy 15 U.S.C s1681 section 604 A Section 2 .It Also States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with wFair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-06-14
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)

I am writing to express my concerns about several issues I have experienced with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, incorrect credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-14
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to XXXX that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.