davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX, they bought a XX/XX/XXXX credit cards for XXXX XXXX, in XX/XX/XXXX, XXXX XXXX XXXX report the credit company that I open a accounted with back in XX/XX/XXXX and they report that i have owned the account that shouldn't have in credit report I have contacted and they said they sue for a debt.. the accounted is from XX/XX/XXXX.. not XX/XX/XXXX
Consumer complaint received 2024-05-21
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. (CA)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax won't remove negative items from my report, I called several times and provided documentations, Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report using prewritten dispute letters which I provided. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge Offs Bankruptcies HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS, AND BANKRUPTCYS and pursuant to the FAIR DEBT ACT 15 UNITED STATES CODE 1692 it should be removed. 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. XXXX XXXX XXXX Account number XXXX. Called XXXX XXXX XXXX  XXXX to resolve this matter ; however, they dont have a record for me because they sold it to XXXX XXXX XXXX  years ago without providing me with 1099 tax form. I am not obligated to pay XXXX XXXX XXXX and will never pay it because my contract is not with them. Please have them remove it from my credit report.
Consumer complaint received 2024-05-06
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. (GA)

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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (OH)

Someone got ahold of my information years ago and I reported identity theft years ago. I have inquires on my report that I did not authorize. They are as followed XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Citibank NA, BEST BUY  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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 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 2024-05-23
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)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

On approximately XX/XX/2024, the Department of Education disbursed subsidized and unsubsidized student loans totaling {$2000.00} to XXXX XXXX XXXX University through the servicing provider Nelnet. I requested that XXXXXXXX XXXX XXXX University cancel the loan and return the disbursement to the loan servicing provider. As of XX/XX/2024, these student loans are appearing on my credit report despite my disputing with the credit reporting agencies. They argue that the loan is still active and the account is open under my name.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NC)

My XXXX XXXX payment was applied by XXXX XXXX on XX/XX/2024, which is XXXX days ahead of schedule. However, on XX/XX/2024, which is the due date, I was billed a {$30.00} late fee. I've attached documentation. I want the late fee to be immediately removed from my account.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently reported a problem with Transunion. When I log in to verify a credit freeze is in place all I get is the following message : " Sorry, we're having trouble showing the status of your credit freeze right now ''. 

The company reported that the problem was my password was no longer valid. I followed their instructions and changed my password, but the problem still exists. All I get is the same message : " Sorry, we're having trouble showing the status of your credit freeze right now ''. 

If they're in the business of financial reporting maybe they ought to actually report financial matters!
Consumer complaint received 2024-05-25
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. (IN)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is XX/XX/XXXX an on XXXX it's XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. Account Name : XXXX Account NumberXXXX
Consumer complaint received 2017-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

Originally my mortgage had  XXXX . For breach of payments and delays  XXXX  sold the portfolio to Bank of America. My residence is  in Puerto Rico and  with the new job I have been paying the mortgage for more than 3 years without fail. When the loan was paid to  XXXX  on payment was included the payment of property insurance. Now Bank of America tells me that I need property insurance and that I have to pay {$190.00} more to pay the mortgage. I realize that this payment is already included in the payment of the mortgage. In addition they receive the payment but when I call for any service or for some adjustment or to help me some help they indicate to me that as the house is  in Puerto Rico does no t apply. I want to refinance the house and they tell me that they do not finance house in  Puerto Rico and  I wonder then how they receive the payment of my house or why they bought the wallet
Consumer complaint received 2024-07-12
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-05-07
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 hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record.

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

COMENITY BANKXXXX FRAUD DEPARTMENT XX/XX/XXXX This is my XXXX attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 
I have summited all the required documents including : XXXX ) POLICEREPORT XXXX ) IDENTITYTHEFTREPORT XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) OTHERDOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car when I was in XXXX XXXX and then a XXXXXXXX XXXX and XXXX XXXX living in XXXX XXXX XXXX XXXX XXXX 
My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my XXXX XXXX XXXX XXXX XXXX XXXX He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 
There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX or XXXX XXXX without having to go through my XXXX XXXX. 
The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : COMENITY BANKXXXX opened XXXX XX/XX/XXXX, while I was under XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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. (LA)

The List of accounts below have 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 XXXX XXXX XXXX XXXX I looked at my Equifax credit report 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

Subject : Formal Complaint Regarding Inaccurate Mortgage Reporting by XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for the continued reporting of inaccurate and unauthorized information related to my mortgage account with Cardinal Financial . Despite multiple attempts to resolve these issues directly with XXXX, they have failed to take corrective action, resulting in significant harm to my credit profile. 

Summary of the Issues : Inconsistent Reporting of Account Opening Date : XXXX has inaccurately reported the date on which my mortgage account was opened as XX/XX/XXXX, while another credit bureau has reported XX/XX/XXXX. This discrepancy has not been corrected despite my providing evidence of the accurate date, which is XX/XX/XXXX. 
Incorrect Date of Last Activity : XXXX has reported the date of last activity on my mortgage account as XX/XX/XXXX, while another credit bureau reports it as XX/XX/XXXX. This inconsistency affects the reporting period and, ultimately, the duration for which this account impacts my credit score. Despite my dispute, XXXX has yet to rectify this error. 
Inaccurate Payment History : The payment history reported by XXXX for the account in question is inaccurate, particularly for the months leading up to XX/XX/XXXX. The discrepancies in the payment history between the credit bureaus for this period have led to a misleading representation of my payment behavior, which is detrimental to my creditworthiness. 
Violation of Permissible Purpose Under FCRA : XXXX has reported this mortgage account without my explicit authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reports may only be furnished under specific permissible purposes, none of which apply here, as I did not provide written consent for this account to be reported. 
Previous Efforts to Resolve : I have made several attempts to address these inaccuracies directly with XXXX, including providing them with supporting documentation to verify my claims. Despite these efforts, the inaccuracies remain on my credit report, and XXXX has not taken the necessary steps to correct or remove the erroneous information.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (TX)

THIS IS A FRAUDULENT ACCOUNT. ALDOUS & ASSOCIATES WAS MADE AWARE THAT THIS ACCOUNT WAS FRAUDULENT YET THEY STILL POSTED IT TO MY CREDIT WITHOUT ANY REGARD TO THE RAMIFICATIONS. THEY SHOULD BE HELD LIABLE FOR DAMAGES PER VIOLATION AS INSTRUCTED UNDER THE LAW.