davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/2023 and XX/XX/2023 I wrote letters to Barclay 's to opt out of their ability to share any items on my personal credit report. Per the FCRA as a federally protected consumer, I opted out of any and all authorization that I, the consumer, may have given them, written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7. This was to take effect immediately and indefinitely. I have attached a copy of the two letter that were sent and I did not receive a reply nor have the items been removed from my credit. I also contacted XXXX, XXXX and XXXX to have them removed and I was referred back to the company.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I gave statements/proof of timely payments to experian to show prompt payment to XXXX XXXX XXXX. XXXX XXXX XXXX sold the loan and is refuses to answer phones or address the late payment in XXXX XXXX XX/XX/year>. Experian refuses to address the late payment information with proof of timely payment.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

asked company to show proof of information used to verify a debt, they have failed to present me anything but continue to report negative items on my credit report and send threatening letters saying they can garnish my wages and bank account if i dont pay them ... iv sent 2 letters to the companies and haven't received a response, and its been over 60 days since my first letter. when i called the credit bureau they said the debt collectors validated the debt but again fail to provide me with evidence and keep using threatening language...
Consumer complaint received 2023-04-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I
have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX  XXXX, MI XXXX, But bureau reported that I have many addresses like XXXX XXXX PL XXXX, CA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I have sent out several letters asking for validation and deletion of the accounts on my credit report that is reporting negatively. I have enclosed the letters I have sent with no response back. 
Letter one on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear XXXX XXXX, Re : Account # XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

This account is inaccurate and does not belong to me. I do not have a contract with this company. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Letter 2 on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX XXXX , Re : Account # XXXX XXXX, XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX Reporting twice on my credit report, I do not have a contract with this company. Delete immedietly. 

XXXX Reporting inaacurate information, I do not have a contract with this company. Delete immediately. 

XXXXreporting inaccurate information. I do not have a contract with this company. Delete immediately. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PR)

I paid Shellpoint Mortgage Servicing ( account XXXX ) all that I owed to them and I requested from them to mail me and my wife tha original mortgage note we signed them when we originally made the loan. They kkep on mailing us a photo copy of the mortgage note and not the original. I need the original document in order to cancel the mortgage in the XXXX XXXX according to the laws of XXXX XXXX XXXX We are afraid that Shellpoint has negotiated the original mortgage note to a third party and we loose our house. We filed a complaint through CFPB ( XXXX ) and XXXX send us copy of everything but never maied us the original of the mortgage note, althought, they said that they complied. That was not true. They lied to us and to you. We do not thurst them. We can not cancel our mortgage ( lien ) without such original document to which we have full right to have. Our address is : XXXX. XXXX, XXXX, XXXX XXXX. My postal addredd is : XXXX XXXX. Box XXXX, XXXX XXXX, XXXX. XXXX, phone : ( XXXX ) XXXX. Please, Help Us. WE DO NOT WANT TO LOOSE OUR HOME.
Consumer complaint received 2024-07-10
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 XXXX of 2018, my XXXX credit card stolen and maxed out. I immediately notified XXXX of this but they did not close my account. They continued to come after me to collect the balance of the card that was run up by the thief. 

They began to report negative information to all credit bureaus that I was delinquent and that they eventually closed the account. The account was then given to an attorney who sued me for XXXX  in XXXX XXXX. I provided affidavits and documentation of the identity theft and the lawsuit was dismissed. 

I've been trying for YEARS to get XXXX to stop reporting this incorrect information. In the past month, I've sent XXXX separate affidavits demanding that they remove the information and included my personal identifying information, police reports of the theft, copies of the lawsuit information, pictures of my driver 's license, pictures of my social security card, and a copy of a utility bill. XXXX did not even investigate this claim. They merely sent a standard letter saying they couldn't find my account and I would need to fill out another form. This has gone on for years. 

My credit has been ruined. I can't even qualify for a new house because of XXXX failure.
Consumer complaint received 2024-05-13
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)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), an collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( private ) and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX MD XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (FL)

I was a client/customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was a online/virtual orthodontics service that helped patients align teeth virtually. Mailing and shipping supplies and retainers with virtual correspondences with a licensed orthodontist. In XXXX of XXXX, XXXX XXXX XXXX filed for XXXX  XXXX XXXX  subsequently closing down its global operations. ALL of my patient files, images, information, medical and financial documents are not accessible any longer as the website, all accounts and the app have shut down. 
I have been noticing that the company hired by XXXX XXXX XXXX as a payment processor : XXXX XXXX XXXX, XXXX ; has been charging my XXXX card with a monthly fee of {$89.00}. I contacted XXXX XXXX XXXX XXXX and they are also very confused to these charges being that XXXX is no longer a company, and is no longer providing ANY services for billing or charging and is also in the middle of a bankruptcy case. 
XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was the creditor and Healthcare Finance Direct LLC is the payment processor for the creditor. 
Here is a direct statement on my contract with XXXX : " Relationship of Parties. Buyer acknowledges and agrees that HFD is not a lender but rather the payment processing service provider of Provider '' I have contacted Healthcare Finance Direct twice with no avail to resolving this unethical issue. They have been very short with my on the phone. I have requested my financial records and contract to be emailed and haven't received anything. With every phone call Healthcare Finance threatens that if i cease payment, my credit will suffer! HFD has expressly stated they are only the payment processor on the behalf of XXXX, therefor, HFD has absolutely zero legal right per contract to claim they are the creditor when contract states otherwise and should NOT be billing me for a company that no longer exist and can no longer provide billable services. This is most certainly fraud and unethical practice by an LLC. Healthcare Finance Direct LLC appears to be trying to make up for money losses with XXXX with innocent customers accounts. 
XXXX has put a block on charges from this company and I requesting a refund of {$89.00} x 5 months = {$440.00} And, on behalf of all clients/patients of XXXX XXXX, a formal investigation into Healthcare Finance Direct , LLC unethical practices. 

Healthcare Finance Direct LLC : XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2024-05-13
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. (PA)

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 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed an unauthorized inquiry from XXXX XXXX XXXX Bank on my credit on the XXXX of XXXX. I contacted the Creditor reporting the information and was told by them to make a police report and reach out to FTC, which I did. I also called TransUnion directly and they said the unauthorized inquiry would be removed in 14 days but it's still reporting.
Consumer complaint received 2024-08-01
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. (CA)

THIS IS NOT OKAY. There are accounts and transactions under my name which are fraudulent or have resulted from fraud and I have never benefitted from any it. It's making me anxious and stressed out, I have already reported this to FTC but they are still appearing on my credit report.
Consumer complaint received 2024-08-01
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. (MA)

This is extremely frustrating, I found unauthorized transactions/accounts being done under my name. I never benefitted from these items that have resulted from fraud being reported on my credit report. These have been already reported to FTC but they still appear on my report.
Consumer complaint received 2023-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I purchased subject property on XX/XX/XXXX thru XXXX XXXX XXXX and the loan was sold to Wells Fargo. I was never late on my mortgage payments, until the collapse of the mortgage industry in XXXX. I was a XXXX XXXX and was out of a job due to the collapse of the real estate market. I obtained from Wells Fargo a Loan Modification, but they insisted on doing an ARM rate which I opposed. I accepted the loan, then switched to a better loan program based on reduced property value, which would suit me best. Wells Fargo rejected the property reduction loan. I then requested the reinstatement of the original loan, and was rejected. As a customer, I had the right to choose a better alternative. 
Wells Fargo, because of greed, was determined to foreclose on my property, despite my efforts to retain it. It's not right that they get away with their bad behavior, at others expense. I am almost XXXX yrs old, living in subsidies housing, due to their reckless actions.
Consumer complaint received 2024-08-01
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. (AL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-13
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : Acct number XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to 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 2023-12-04
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. (TX)

On the date XX/XX/2023 someone applied for a XXXX XXXX XXXX. I called the company they said someone did apply with my name and Social Security but the wrong address. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXsomeone applied for a credit card. No action by me or the company XXXXXXXX XXXX XX/XX/2023 someone applied for a credit card No action by me or company.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The FDCPA is meant to protect my right to privacy, yet my privacy has been violated by the Consumer Reporting Agencies, Transunion, XXXX, and XXXX. I noticed that my consumer report is erroneous, out of date, and that no legal evidence has been presented to me. The Consumer Reporting Agencies failed to fulfill their responsibilities. I have the right to know, who was interviewed by Consumer Reporting Agencies? Who gave them the power to tamper with my life? Is it true that I am not a federally protected consumer? The Consumer Reporting Agencies never acquired my authorization to report on my consumer report, either orally or in writing, and this constitutes identity theft.