davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

XXXX with VS card rep for re payment many times due to loss of XXXX XXXX XXXX  and not having enough money at the time due to other bills. Explained I'm a single mom w/ two child juggling bills and will pay, couldn't set up a time since I wasn't sure how income would be, tried to cancel card, and wouldn't. 

Called on different numbers- didn't answer XXXX Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX am XXXX XXXX XXXX a, Spoke w/ rep dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX am XXXX XX/XX/XXXX XXXX pm Other potential spam number can't remember if VS related XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXXXXXX XXXX didn't answer XX/XX/XXXX XXXXXXXX XXXX  spoke with XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX didn't answer XX/XX/1855 XXXX XXXX XXXX XXXX  didn't answer also informed them I knew they only could call x amount of times- found this information to confirm and now sending complaint to you. Please help thank you. 
How many calls from a creditor is considered harassment? 
seven times The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt : More than seven times within a seven-day period, or. Within seven days after engaging in a telephone conversation with you about the particular debtXXXX  XXXX, 2023 When and how often can a debt collector call me on the phone? 

Consumer Financial Protection Bureau ( XXXX ) XXXX XXXX XXXX XXXX XXXX 

( I was wrong about some of the information and over whelmed with the calls which caused me XXXX and other mental health issues )
Consumer complaint received 2024-04-20
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. (TN)

Per XXXX XXXX XXXX ( XXXX ) ( d ) : if an investigation finds incompleteness or inaccuracies, the furnisher shall notify the other credit reporting agencies. This inaccurate and invalidated and illegitimate account was deleted by XXXX  due to these reasons and XXXX and Transunion were to be notified yet Transunion and XXXX are still furnishing it. Transunion and XXXX are neglecting to comply with the FCRA and continue to allow erroneous information to persist on my credit report. This is a clear violation of Section XXXX of the FCRA. They have caused inconsistencies that can is harming my financial well being. This is also a violation of XXXX XXXX XXXX. DELETE this inacurate, unverifiable, and illegitimate account from my credit profiles on XXXX and Transunion. 
SEE ATTACHED LETTER
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY XXXX REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-20
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. (TN)

Again, in line with my rights under the FDCPA and FCRA, i am again requesting that this debt collector provide me with the purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of this account information. If this debt collector refuses to send me this documentation then i demand the immediate deletion of this account from my credit report. The date on my consumer report that i opened an account with this debt collector is blatantly false. I have not received any products or services from this debt collector or entered in any contractual agreement with them. This misinformation is tarnishing my credit history and infringes on my consumer rights. The actions of this debt collector constitutes clear violation of my right. And i am demanding a swift deletion of this account from my credit report if they are not going to provide me with what i asked for. I trust that the CFPB will address this issue. 

SEE ATTACHED LETTER
Consumer complaint received 2023-11-18
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)

Transunion : My name is incorrect on my credit report. My name is XXXX XXXX XXXX. The address listed on my credit report or incorrect. The only address that should be on my credit report is XXXX XXXX XXXX XXXX, Georgia XXXX
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (GA)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

I sent letters out XXXX XXXX
Consumer complaint received 2023-12-04
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: Experian Information Solutions Inc. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Debois, Inc. (OH)

I financed a car from ABC MOTORCREDIT and was financed buy DBS FINANCIAL. I was charged a down payment of {$500.00} which is illegal according to the truth and lending act. The finance charge is the sum of all charges. There are multiple violation on my contract. The car was repossessed and Im currently being taking to court. I would like my down payment back as well as the total sells price and the fee schedule for the violations committed : 15 usc 1692h 15 usc 1601 15 usc1611 15 usc 1691c 15 usc 1692 15 usc1681
Consumer complaint received 2023-12-04
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. (NC)

This is XXXX XXXX XXXX please do 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 2023-08-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union is not compliant with 12 CFR 1024.35 ( d ), which states, Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving a notice of error from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the notice of error. 

On the evening of XX/XX/, I sent an error notification email to executive-level personnel at Navy Federal Credit Union , including the President/CEO, all members of the Board of Directors, all members of the supervisory committee, Chief Compliance Officer, Vice President of Operations and others, as it applied to multiple errors over the past year. The Error Notification Email is attached, which provides all entities that the email that was sent ( *Please note, no email undeliverable message was returned, meaning each email recipient address was a valid email address ) and the information regarding error notification provided to Navy Federal Credit Union by their consumer. 

There was no written response acknowledging receipt of the notice of error. I would like to add that the notice was received by Navy Federal, as two voicemails were left on my phone and an email after the two voicemails that stated, I am reaching out about your recent experience with our Assumption team. I was hoping to get the opportunity to discuss this further with you at your earliest convenience. I can be reached at ( XXXX ) XXXX. As a consumer, this email does not provide any appearance as a written acknowledgment regarding a notice of error. 

The maximum required time of five days has been exceeded, and Navy Federal Credit Union has blatantly disregarded the procedural requirements for responding to written information requests or complaints of errors to consumers. This continues to be a trend.

12 CFR 1024.35 ( e ) is the legal requirement that directs Navy Federal Credit Unions response to notice of error. The time limit requirement in 12 CFR 1024.35 ( e ) ( 3 ) ( i ) ( C ) is 30 days, which must be complied with no later than the close of business on XX/XX/, including the response to the notification of error as directed in 12 CFR 1024.35 ( e ), or it will result in another action of noncompliance of laws, rules, regulations, etc. that the consumer has encountered for over a year.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to get a copy of my credit report, and report my trafficking case to Transunion since XXXX. I am a victim of trafficking and despite the fact that I have mailed and emailed my documents continuously, the accounts are still reporting. This is because I have been trying to get TransUnion to fix my online account for 2 months. Because of the issue with my TransUnion account, I am unable to retrieve my free annual credit report, or dispute anything. I am relying on XXXX XXXX who only lets you dispute one item at a time and does not allow you to see all of the details of the account or upload documentation. This is against the law. I feel helpless and defeated. Every time I call I am just pacified and told that my account will be available in XXXX hours. I first reported this issue in XXXX. Today is XX/XX/XXXX and I am still unable to do anything with my TransUnion credit report. This is completely unacceptable. I also reached out to customer support via email at XXXX, XXXX, XXXX, XXXX, and XXXX and received a ticket number via email response. When I called to follow up, the rep told me that TransUnion doesnt have an email for customer correspondence, nor do they give out ticket numbers. TransUnion, along with the other 2 major credit bureaus, need to be investigated because they are not operating in compliance with the law and it is putting the consumers in danger. I am living on the streets of XXXX trying not to be noticed by anyone who knows my abuser because I cant get approved for housing with this information on my report. I am begging for help. My next step is to unalive myself. I dont know what else to do.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/XXXX service was performed with a company called " {$49.00} any sewer and drain cleaner " .A check was issued by my office the same day the work was preformed and handed to the worker for {$300.00} made out to the above company .The check was washed and made out to XXXX XXXX for {$14000.00} .The check was put through an ATM at XXXX XXXX XXXX XXXX and chase bank allowed it to go through even though it was clearly altered .We have security on our account that should not have allowed the check to be approved without our consent .We filed a police report on XX/XX/XXXX and notified our bank immediately. We filled out the Declaration of Unauthorized Endorsement or Altered item form and sent it to chase. For 9 months i have been trying to recoup our funds with no return calls and lots of false promises. We are now in XXXX of XXXX and am still waiting for our funds to be returned.
Consumer complaint received 2024-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I noticed an error on my file, which I sent a letter off to XXXX XXXX XXXX  XXXX and the reporting agency 's on XX/XX/2024. They are violation my consumer rights. Reporting inaccurate data each month, also the reporting of this account. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this inaccurate.15 USC 1681 s-2 states that your company as a furnisher of information to a consumer reporting agency You are prohibited by LAW to furnish inaccurate information. Ive demanded several times to Cease and Desist that this company is furnishing inaccurate and incorrect information to the consumer reporting agency. The reporting of such inaccurate information has caused severe damage to my character, and my reputation. 
Under 15 USC 1681s2a1a, A person shall NOT furnish any information relating to a consumer to any consumer report agency knowing or has reasonable cause that the information is inaccurate. Also, 15 usc 1681i ( A1a ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ; it's been over 30 days and still reporting unlawful activity to my file
Consumer complaint received 2023-12-04
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-31
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: 21ST MORTGAGE CORP. (TX)

I am working on buying a house from XXXX XXXX XXXX. They will only use 21st mortgage for their used homes. They said they do not deal with any other mortgage company. I applied with 21st and was denied because of a problem I had with them 20 years ago. I asked them if there was a way around that since this dealership will only deal with them and they stated that if they ever had a problem with you they will never do business with you again. This all took place this week. How long can a bank blacklist you from doing business when the information has been off of my credit report for at least 10 years?
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I dispute your position that my identity theft claim is unfounded. WHOM DO YOU THINK YOU ARE TO JUDGE ME ABOUT WHETHER OR NOT I'VE BEEN A VICTIM? It is completely baseless to claim that you have the authority or the legal standing to make such a decision. You can be confident that I will promptly contact an attorney to begin legal action if you continue with this wrongful denial. I demand that you follow the stringent legal procedures that regulate claims of identity theft. I am providing you with an official law enforcement agency report, duly filed with a federal agency, to underscore the gravity of my case. Let 's get this resolved as quickly as possible in the allotted five days. 

Unfortunately, it appears that my attempts to make this right have not been received well. It seems that your bureau has not taken the seriousness of my identity theft case into consideration, despite the significant proof I have presented. I feel abandoned, irritated, and powerless as a result of this lack of acknowledgment.

I implore your bureau to acknowledge the seriousness of my identity theft claim and take immediate and decisive action. I request that you conduct a thorough investigation into the matter, validate the authenticity of my evidence, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek assurance that you will take steps to prevent the recurrence of such unauthorized activity in the future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that if my concerns are not addressed promptly and satisfactorily, I am prepared to seek legal counsel and escalate this matter to relevant regulatory authorities to ensure that justice prevails.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX  XXXX XXXX Balance {$730.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXXXXXX XXXX Balance {$95.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00}
Consumer complaint received 2023-12-04
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$5400.00}.
Consumer complaint received 2023-08-31
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. (PA)

I currently have unauthorized inquiries appearing on my credit reports. 

1.XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. XXXX  Date of inquiry : XX/XX/XXXX 3.XXXX  XXXX  Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX  Date of inquiry XX/XX/XXXX 6. XXXX  Date of inquiry XX/XX/XXXX 7. XXXX  Date of inquiry XX/XX/XXXX 8. XXXX  Date of inquiry XX/XX/XXXX 9. XXXX XXXX Date of inquiry XX/XX/XXXX