davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

My name Is XXXX XXXX XXXX ; my current address is XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, Phone : XXXX, Birthdate : XX/XX/. I checked my credit reports and noticed some inquiries from companies that I did not give consent to access my credit reports, I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I did not initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FCRA. The following companies did not have permission to request my credit report : SEE ON THE ATTACHED CREDIT REPORT. I once again demand the removal of these unauthorized inquiries immediately. Thank you!
Consumer complaint received 2024-04-30
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. (MD)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name Is XXXX XXXX XXXX ; my current address is XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, Phone : XXXX, Birthdate : XXXX I checked my credit reports and noticed some inquiries from companies that I did not give consent to access my credit reports, I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I did not initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FCRA. The following companies did not have permission to request my credit report : SEE ON THE ATTACHED CREDIT REPORT. I once again demand the removal of these unauthorized inquiries immediately. Thank you!
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
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. (AZ)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Credit Bureaus stated that my XXXX XXXX  account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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.
Consumer complaint received 2023-04-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (FL)

I was initially contacted by representatives from Williams & Fudge in early 2019 who attempted to collect a debt that I did not owe. Despite not providing appropriate and authentic debt verification when requested as well as ignoring numerous documentation and attachments I provided that indicated the debt they were attempting to collect was not mine, they persistently harassed me and continuously contacted me trying to collect it with no evidence. After repeatedly telling there representatives to stop contacting me since there was no active proof that this debt was authentically mine, I was pushed to the point of seeking legal action for the continuous harassment. Once I had mentioned the legal threats, they finally seemed to understand that this debt isn't mine and stopped contacting me about it. For whatever reason, they recently seemed to try to send an email which appeared as spam in which they said that if they don't hear from me, they will assume the debt is mine. This is absurd and obviously a malicious tactic as I already indicated dozens of times previously that the debt they are attempting to collect is not mine.
Consumer complaint received 2024-04-29
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. (NY)

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 , 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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I need your help with a serious matter related to my Equifax credit report. After checking my credit report I noticed that Equifax is listing my name and credit report as incorrect/inaccurate. 
The account on my credit report in question Account XXXX : XXXXXXXX XXXX  ; Account number # : XXXX. 
I can see that this account has a charged-off status but the report shows an overdue balance, which is a violation of the fair credit act.
Consumer complaint received 2023-04-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Dear Sir or Madam : I have twice submitted requests to my mortgage servicer, Newrez LLC, to have my escrow account for taxes and insurance deleted ( XX/XX/23 and XX/XX/23 ) as I believe that I now have sufficient equity in my home to obviate the need for said escrow account. However, my request was denied on both occasions ( XX/XX/23 and XX/XX/23 ) with the following reason the LTV ratio does not meet the minimum requirement for your state or property type Based on the above denial reason, I twice submitted follow-up questions to Newrez LLC XXXX XX/XX/23 and XX/XX/23 ) as follows 1 ) What is the current LTV ratio of my loan? 
2 ) What is the minimum LTV ratio requirement to delete my escrow account?

Since both of my requests were denied for LTV ratio reasons, I had assumed that Newrez LLC would have the answers to both of the above questions readily available. However, as of today ( XX/XX/23 ), I have yet to receive a response from Newrez LLC to either of the above questions. 

The silence has been deafening as it leads me to believe that Newrez LLC does not have any basis for continuing to maintain my escrow account but would rather continue to pad their balance sheet with my money ( and the money of other borrowers in my position ) rather than perform the proper due diligence to ensure that only borrowers with insufficient equity will be required to maintain escrow accounts with Newrez LLC.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Credit Card request by an unknown individual for a Cabela 's Capital One credit card remains on XXXX and other Credit reporting agencies as a hard inquiry dating back to XX/XX/year>. This is fraudulant and Capital One maintains they corrected this issue but it still remains on my credit report. 
File number : XXXX XXXX XXXX
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: EQUIFAX, INC. (NC)

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I've called Citibank alot of those times about this one account and you guys keep telling me I don't owe anything and you guys reported to XXXX XXXX one if it doesn't owe anything why is it on my XXXX XXXX report it's on my consumer report if I don't know anything can you please remove the information on my XXXX  XXXX  report you guys say the account was closed positive so why was it reported to XXXX  XXXX account number I've called your customer service I have called your fraud department I have called your close account Department I called everyone at Citibank and they're telling me the same thing I don't owe a dime so please remove Citibank from my XXXX XXXX report
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

My account was frozen yesterday due to usual activity. I received a refund of {$1800.00} plus {$500.00} from my landlord last Friday. Yesterday I received a deposit from my XXXX. These are the only XXXX major deposited I have had all which is MY MONEY. Chime feels as if you have a too much money coming into your account they have a right to freeze your account. Once you get to member services and try to get help they tell you theres nothing they can do you have to wait for them to email you. Chime is honestly a scam that uses, fee free overdraft, spot me, XXXX days early pay, all of these are things just to get you not to pay attention to all of the XXXX they cause on the outside.
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. (NY)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer - XXXX XXXX XXXX  Employer XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with the accuracy of my credit report. Specifically, I am disputing the reporting of late payment by the credit reporting agency that is inaccurate and is negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. Section 1681e ( b ) of the FCRA states that credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report.

Despite the information being provided to the credit reporting agency with evidence that the late payment reported on my credit report is inaccurate, the agency has not taken any action to correct the error. My lender XXXX provided me with a letter stating that the information in question is inaccurate, and they sent a copy of this letter to the credit reporting agency as well. The letter clearly states that late payment is inaccurate and should not be on my report.

I would appreciate your assistance in resolving this matter promptly, as the inaccurate reporting is negatively impacting my credit score and my ability to obtain credit. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-03
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. (IL)

I h

ave contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-04-29
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. (AL)

An identity theft Dispute Letter was mailed for inquiries showing on my consumer report. the company did not remove them. I mailed dispute letters for these inquiries directly to the companies using the addresses reported by the consumer reporting agencies, and my mail came back as non-deliverable. The company is reporting inaccurate and erroneous info on my credit report.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I just checked again my XXXX, XXXX and Equifax credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2023-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

this collectors are harassing and abusing me by calling repeatedly 5 to 10 times a day and at XXXX and XXXX they are constantly are threatening me constantly to pay them with gift cards from XXXX XXXX or send them money from XXXX XXXX XXXX they said they will come by and arrest me cause they have the power to arrest anyone if i don't have the gift card ready for them when they come by the house. I already told them i do not owe you anything. I'm a victim of Identity theft, I have no knowledge of any account debt at all. Do not contact me. they keep harassing me..to pay them with gift cards. Please help... I have a XXXX I am a XXXX citizen..
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.