davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Please refer to attached documents for detailed information!

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!!

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )
Consumer complaint received 2023-09-23
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. (VA)

I am sending this follow up complaint to concerning my previous complaint that I sent dated XX/XX/XXXX, I want the Experian and XXXX to know that I am eager to see that the items listed below were DELETED in my next update within 15 days : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap XXXX XXXX XXXX lexis nexis
Consumer complaint received 2023-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (IL)

Upon careful review, I want to clarify that the issue was not related to the XXXX XXXX tax department reducing my property taxes. Instead, it was a mistake made internally at CMG. Specifically, CMG erroneously used the tax amount for one of my parcels for both parcels, leading to an inaccurate calculation of my property taxes. 
I promptly identified this error within two days of receiving the initial escrow analysis from CMG. Unfortunately, it took us over 20 days to correct the mistake due to internal processing delays. 

I acknowledge the discrepancy pointed out in the initial finding on XX/XX/XXXX, which indicated an escrow shortage of {$1600.00} As a result, my payment was adjusted to {$1900.00} to cover this shortage. Subsequently, after a reevaluation, CMG identified that the accurate escrow shortage was {$180.00}. This discrepancy was promptly addressed and I made a payment of {$180.00} towards the escrow shortage on XX/XX/XXXX to rectify the situation. 
Even after the $ {$180.00} payment, there appears to be a discrepancy, as the revised payment of {$1700.00} exceeds the previous payment of {$1500.00} by {$210.00}. Please explain what the XXXX increase if related to if the escrow shortage was paid on XX/XX/XXXX. 

Related to COMPLAINT ID XXXX
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Armcon Corp (WA)

i recently discovered that i was a victim of identity theft, one of the accounts that was opened under my name was with XXXX XXXX XXXX XXXX, since i was not aware of this account, it got charged off and eventually was sent to collection with COACHELLA VAL COL SV. I contacted credit bureaus and told them about my identity theft and was instructed to file a police report and an identity theft report on identity.gov.and was sent to credit bureaus and nothing happened which brought me here.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc. (IL)

I have a collection on my credit report that I reported as fraud in XXXX and yes its still on my credit report from XXXX apartments for {$5000.00}, I have been fighting this for years, I filed a fraud report with the police department, nothing was done, XXXX money is reporting on my credit report numerous times and thats incorrect, kasheble loan is incorrect, midnight velvet fraud -- XX/XX/XXXX, XXXX wards fraud -- XX/XX/XXXX all these accounts should not be on my credit report, they are incorrect and destroying my life, please remove XXXX XXXX from my credit report, Been fighting this since XXXX, these accounts are keeping me from living a normal life.
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

After reviewing my recent credit report, I show XXXX collection accounts from Synerprise Consulting showing past due amounts of {$1900.00}, and {$1700.00}, when collection accounts arent allowed to show past due balance per the FTC/FCRA. I have never spoken to this agency, nor agreed to any payment arrangement that would allow such reporting.
Consumer complaint received 2023-05-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

The loan officer ran my credit several times during the application process which lowered my score significantly. On the day I was to be approved for my loan another person in the company took over my loan application and found it necessary to run my credit yet again causing my score to drop below their threshold. In turn, I had to pay an additional XXXX down payment. When I asked why they kept running my credit they explained that the credit bureaus would see this as rate shopping and it would not affect my credit. Ive tried numerous times to resolve this with the mortgage company with no response at all. I recently found out that when I was approved for the loan they were supposed to report this to the credit bureaus which they never did. I believe this is predatory lending practices and that I should not have had to put an additional XXXX down due to them being responsible for lowering my credit score.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm trying to purchase a home and I realized that I have damages on my credit report from all 3 credit bureaus ; XXXX, XXXX, and TransUnion. I notice that some incorrect names and addresses are connected to inquiries, credit cards, and charge-off accounts that are currently reporting on my credit report and significantly impacting my score. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I took out a auto loan with XXXX XXXX XXXX in XXXX, due to their lack of paperwork, this did not start reporting on my credit until XXXX. I done a vountary repossession on the vehicle in XXXX of XXXX. They auctioned off the vehicle after the repossession. They continue every single month to report this account as " Open '' rather than " closed '' or " charged off ''. They continue every single month to report a late payment for the 65 months. They also have an off the wall out of state address that I have never been associated with in Louisiana. In addition to the balance being incorrect because they have never applied the auction funds to the remianing balance of the loan, they also report the account as repossessed, late, repossessed again, then back on track, then repossessed, then charged off, then late again. Its absolutely absurd. I have worked VERY hard to fix my credit, this is the only negative account holding me back. It has now been 7 years since this account had its first missed payment and has been repossessed. This also goes against my debt/income ratio and prevents me from further auto loans because it looks as though I have an open auto loan. I have disputed this account for YEARS due to inaccurate information and the credit bureus refuse to fix it. XXXX XXXX does not respond to any letters that I have sent to them directly verifying any information I have asked for. I am asking for this to be removed from my credit report, as the inaccurate information being reported, the failure to respond to my verification requests all go against my rights under the XXXX. Please help me!!!
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (TN)

I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX, and XXXX. I did NOT grant XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Consumer complaint received 2024-01-15
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. (NC)

XXXXXXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 )XXXX XXXX XXXX XXXXis depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NV)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Aldous Associates, a debt collection agency, for reporting a fraudulent account on my credit report. I am a victim of identity theft, and despite notifying the relevant parties, Aldous Associates has erroneously included an account that I did not open or authorize. 

The details of the fraudulent account are as follows : Account Number : They Refused to Provide and its not listed on my consumer report Amount : {$560.00} Reported by : Aldous Associates I have previously informed Aldous Associates of the fraudulent nature of this account and provided evidence of my identity theft. Despite these notifications, they have failed to rectify the situation, and the fraudulent account remains on my credit report. 

It is illegal for debt collectors to report accounts that are fraudulent or not verified. The continued reporting of this account not only affects my credit score but also causes undue stress and potential financial harm. I request that the CFPB intervene to ensure the following actions are taken : Immediate removal of the fraudulent account from my credit report. 
Compensation for any damages or inconveniences caused by the wrongful reporting. 
Confirmation of the steps taken to address this issue. 
Enclosed with this letter are relevant documentation supporting my claim of identity theft. 

I trust that the CFPB will take appropriate action to resolve this matter swiftly. Please confirm receipt of this letter and inform me of any additional steps required from my end. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-04-30
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)

I hope this message finds you well. I am writing to follow up on my previous attempt to address the presence of fraudulent items on my credit report. 

Despite my initial request, the fraudulent items remain unresolved, posing a significant threat to my financial credibility and well-being. It is imperative to remove these unauthorized entries promptly to ensure the accuracy and integrity of my credit report. 

I kindly urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 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 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I disputed several inaccurate accounts that is being reported by XXXX credit bureau, I never received a response and it has been over 30 days I request that these accounts and inquiries be removed at once PER THE FAIR CREDIT REPORTING ACT. Furthermore this credit bureau is allowing companies that are not licensed nor registered to collect debts in the state that they are reporting to I am enclosing document for your review. Furthermore pursuant to section us code 1681 e ( b ) Accuracy or report. 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 must be 100 % accurate across all three agencies. these accounts must be deleted immediately this account is being reported inaccurate which is a big violation. 

FTC IDENTITY THIEF REPORT NO : XXXX COLLECTION ACCOUNT, XXXX XXXX XXXX, ACCOUNT NO. XXXX FTC IDENTITY THIEF REPORT NO : XXXX, COLLECTION ACCOUNT, XXXX XXXX XXXXXXXX FTC XXXX THIEF REPORT XXXX : XXXX, COLLECTION ACCOUNT, XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

The Bank of America XXXX XXXX card, knowing my credit score, gave me a card with a specific limit. I used a portion of that limit ( no where near the limit allowed ) and made large payments each month. ( Never the minimum. ) Out of the blue they dropped my limit, creating an adverse situation with my credit score by making it appear I was using a credit card to its limit - a new LOWER limit they created. As a result of this, now other cards are following suit. Because of BofA and for NO OTHER REASON, I now look like Im overusing my credit card limits. There should be consumer protection for this sort of bait and switch XXXX. Dont give people cards with high limits and then drop their limit after they use the card. This has a bad effect on their credit score completely perpetuated by the companies giving out cards like candy and then XXXX the consumer. I did contact the company twice to request they raise my limit and they have refused. I now hate them with the force of a XXXX suns.
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This debt was removed by XXXX and XXXX, but Transunion hasn't removed the debt. This car was in a flood and it was totaled by my car insurance XXXX for over XXXX. This loan was taken out with XXXX XXXX XXXX at their dealership for a cracked windshield they refused to pay for with a brand new car taken out at their dealership. They were paid off for this car. I was only responsible for XXXX of this lease they were paid for the whole car now XXXX is reporting this on my credit as a Charge off and this was already filed as a loss with the IRS so why is XXXX and Transunion refusing to remove this from m credit report. Please help get this removed. They never sent me a 1099-C either for my to claim this on my taxes.
Consumer complaint received 2024-01-15
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. (SC)

On XX/XX/XXXX of XXXX, I sent a letter to XXXX, XXXX, Transunion, and XXXX XXXX  regarding numerous violations of the Fair Credit Reporting Act in which the aforementioned Credit Reporting Agencies failed in their grave responsibilities to exercise fairness, impartiality, and respect for the consumer 's right to privacy. 

Per 15 USC 1681b the CRA may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. As the consumer, I did not give them written. Also, I believe that they have also violated the Privacy Act of 1974 by disclosing a record without my written consent. 

I requested that the CRAs mentioned above discontinue reporting account status, payment history, and derogatory remarks as it is a violation according to 15 USC 1681a ( 2 ) ( A ) ( I ) but they failed to abide by my request or abide by my request to opt out of this reporting per 12 CFR 1016.7. 

These violations have caused me irreparable harm, and adverse actions, and have affected my livelihood. Congress has put into place legislation to protect the consumer from these inaccuracies and methods to undermine public confidence in the banking system. My privacy has been breached by these aforementioned CRAs and they must be held accountable for their willful noncompliance.
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Dear, Equifax RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to the information published and provided by you to XXXX XXXX, US DEPT OF EDXXXX, and XXXX XXXX  XXXX as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, Secured Credit Card and Student Loans to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Auto Loan, Student Loans, and Secured Credit Card. 
Immediately, DELETE ALL record of the following alleged Auto Loan, Student loans, and Secure Credit Card or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO2 reporting standards. 
1. XXXX  XXXX XXXX XXXX XXXX XXXX : Please DELETE from Credit Report 2. US DEPT OF EDXXXX : Installment Loan, XXXX : Please DELETE from Credit Report 3. XXXX XXXX  Secured Credit Card : XXXX Please DELETE from Credit Report
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.