davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issue as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-21
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. (CA)

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiry found in my credit report
Consumer complaint received 2024-06-16
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. (OH)

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX, TransUnion, and XXXX. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns. 

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of XXXX XXXX XXXX : My information was impacted by the XXXX data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A.

Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Consumer reporting agency can not furnish an account without written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate. I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible eviden
ce of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report.

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
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: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AL)

I am uploading this showing my filing for identity theft which occurred in XXXX of 2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a XXXX. I need help please
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The following account listed below was paid on time. Please correct and forward to me an undated copy of my credit report. I will attach my current credit report showing that you are the only credit reporting agency reporting a late payment in XX/XX/XXXX. Your prompt attention in this matter is greatly appreciated : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-30
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: Affirm Holdings, Inc (WI)

Affirm INC. is reporting fraud accounts on my XXXX credit report. I previously sent Affirm INC. letters, disputing these fraud accounts below : Affirm acct # XXXX {$1200.00}. & Affirm acct # XXXX {$820.00} I am a victim of Identity Theft & have already sent a copy of my FTC report to XXXX. 
Affirm INC. received my letters and was required to take the appropriate action within 30 days of receipt. Affirm INC. is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! Affirm 's office failed to respond to this validation and proof of claim ( NOT A COPY OF A BILL! ) BUT REAL PROOF, all references to these accounts must be deleted and completely removed from the Claimants credit file. However, Affirm INC. has willfully failed to delete the disputed information as I requested in my dispute. Affirm 's action or inaction is an intentional violation of the FCRA. 
Thank You.
Consumer complaint received 2023-12-21
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. (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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

On XX/XX/XXXX XXXX dispute result in collector SOUTHWEST CREDIT SYSTEM is wrongfully updated and labeled " Completed Investigation, meet Fair Credit Reporting Act '' the result is an update account who has been verified before and now has been asked to VALIDATE and provide all information and documents they have with all the information I requested in the XXXX Dispute establishing a Formal Statement of Creditor/Debt Collector Declaration and I declared for FCRA 15 U.S. C ss 1681i to delete all information not provided by mail to me to the address I provided. I bound them to disclose all info regardless if they are a third party stating Federal Trade Commission as my defense that violates commission paroted information parroted given to you by other sources and shifted to me which is a violation of Statute 1681 ( a ) ( 4 ) to make original collector have liability and the Dept Collector have to provide and respond to me regardless of them being faithful and can continue to ignore and damage my credibility since they do not respond to me and they are only required to respond to the Original Collector. I raised statute of Limitation as my defense and I have the right to demand ALL INFORMATION OF ALLEGED ACCOUNT. PROMPTLY DELETED IF INFORMATION IS NOT VALID OR IF IS NOT PROVIDED. WHITIN 30 DAY DISPUTE PERIOD. I/ did establish in a Formal Statement in my dispute that | required an assigned experian member to show all dates and what document the XXXX Collector Provided. I demanded to be sent copied to the same address I provided in my Report to be sent back to me for me to review and validate before they would determine the result of my VALIDATION. They only provided a vage with missing items carelessly displaying how easy they verify nothing and still harm me. I received a report from XXXX only on XX/XX/year> Formally Disputed on XX/XX/year>. Currently the only thing XXXX did accomplish was providing me the result prior to the XX/XX/year> deadline ON TIME but failed to Validate or truly investigate the accounts under dispute. They never even allowed me to verify such information myself before updating my report. I am being harmed wrongfully and I need Consumer Finance Credit Bureau to please help me remove all negative accounts that do NOT belong to me and have been sold or withholding the information and without validation.
Consumer complaint received 2023-12-21
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. (CO)

There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.
Consumer complaint received 2023-04-30
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. (NV)

I am seeing a collection account on my credit report from XXXX XXXX XXXX. I am not responsible for any debt with XXXX, and I do not have a contract from XXXX XXXX XXXX. I have disputed this account numerous times only to have it taken off and reappear on my report.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX - {$4800.00} In accordance with the Fair Credit Reporting Agency, the company listed above has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-30
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. (MD)

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 7 years. 15 USC 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 the information is inaccurate. 

The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-11
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. (TX)

The XXXX XXXX stated Account XXXX & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Volunteer Mortgage Loan Servicing (TN)

My bankruptcy case was XXXX in XX/XX/XXXX and I was able to start making my mortgage payment of {$590.00} in XX/XX/XXXX. In XX/XX/XXXX, my payment changed to {$1000.00} without any notice. I was told it was because my homeowners insurance increased ( {$1100.00} in XX/XX/XXXX to {$2000.00} in XXXX XXXX XXXX ). My taxes and insurance now cost {$670.00} and I believe an error was made. I canceled the policy with XXXX insurance and got a new policy with XXXX XXXX on XX/XX/XXXX. I have an entire payment history with Volunteer Mortgage Loan Servicing during my bankruptcy showing my payments since they acquired my mortgage with no changes. When I contacted them I was told that my escrow had a negative balance due to the bankruptcy. I don't believe my taxes and insurance should be more than my original mortgage because of a {$840.00} increase.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XX/XX/2019 I sent a letter to experian asking them to investigate XXXX. I asked experian to get XXXX to send the original contract of the loan with my signiture and experian failed to provide me with that information. Instead experian sent me dispute results saying item is updated with out any proof that an investigation was done.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Over the months starting from XXXX up until XXXX mine it was cast out through XXXX from my online banking. I don't know how this happened but Bank of America denying my claim because XXXX decline my claim. It was in the amount of XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harvard Collections, LLC (TN)

Someone stolen my identity and now there are unauthorized accounts on my credit report that I have no knowledge of. My ssn was compromised while I was away overseas. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Bank held my money which caused account payment to be returned and over the limit. I i made a payment when i found out and brought it back into good standing within 1 day. they then closed the account and said the XXXX reward points would not be redeemable
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. XXXX has since removed this account. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and payment historyXXXX XXXX XXXX I has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.
Consumer complaint received 2023-04-27
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. (NJ)

Regardless of the multiple written requests, I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (TX)

KIKOFF has sent me a email stating that they fount that this account is a result of identity theft and that they would have this account removed from my credit report and it is still reflecting on my report without my consent.
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I am writing to dispute an item on my credit report that pertains to LVNV FUNDING LLC. Despite diligent monitoring of my credit history, I have never received any notification within the legally allotted time frame regarding any debts owed to this collector or the original creditor. This lack of communication has deprived me of the opportunity to contest or settle any purported debt. I have not nor do I have knowledge of the {$630.00} credit/loan debt with this company. I have sent in letters to the above company to resolve this amicably prior to filing a complaint. This was over 90-days ago as of XX/XX/year>.