davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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. (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  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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 2023-08-21
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: Experian Information Solutions Inc. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-10-17
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. (NJ)

My credit report is still showing late payments on XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (VA)

Consumer Adjustments Company reported to the credit bureau that I opened an account on XXXX, XXXX, 2023 for {$1600.00} with them.. I did not open an account with them nor any company call XXXX XXXX on XX/XX/2023... 

This account on my credit file has dropped my score I tried disputing with the credit bureau and still no success
Consumer complaint received 2023-09-17
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)

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.

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 2023-08-04
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. (FL)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX OF XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXL Inquiry Date XX/XX/2023 XXXX AUTO Inquiry Date XX/XX/2023 XXXX BANK XXXX Date XX/XX/2023 XXXX XXXX XXXX  FIN Inquiry Date XX/XX/2023 XXXX OF XXXX Inquiry Date XX/XX/2023
Consumer complaint received 2023-07-26
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. (FL)

I JUST SEE THOSE INQUIRIES ON MY CREDIT REPORT AND ALL OF THEM WAS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX INQUIRY DATE : XX/XX/2023 WAS FRAUD AND SALL DELETE. 

XXXX XXXX ON DATE : XX/XX/2023 SHALL DELETE DUE TO FRAUD. 

DELETE ALL TYHOSE FRAUD INQUIRIES FROM MY CREDIT REPORT.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (CA)

Over the span of two months ( XXXX XXXX XXXX ) someone was using my credit card to make purchases through XXXX  ( XXXXXXXX XXXX and XXXX ) without my knowledge or permission. Once my card got overdrawn and I was notified that someone was trying to make purchases toward my account I checked the mobile app and saw that I was indeed overdrawn even though I had stopped using the card altogether over a week before I was notified. I called navy federal and together with a clerk we went through my transaction history on my card and my XXXX  history and anything that was on my credit card statement but not on my XXXX  history was marked as fraud. The amount came out to {$2200.00}. After my initial fraud claim got denied I was told to get proof from XXXX such as the transaction history and send it to the bank so I did that and even though I sent my XXXX transaction history, I was told that wasnt good enough evidence for the appeal. I was then told to find other pieces of evidence and when I asked what else would suffice I was told that I would need something from XXXX stating the purchases were fraud. After talking with XXXX for a few weeks they acknowledged the fraudulent charges and said they would refund me ( they still havent after almost a month ) and I sent a screenshot of that to the bank after I still hadnt received my refund ( as I was told to do by another Navy Federal bank clerk ) but the investigator said that still wasnt enough. After asking again what I could get that would be seen as sufficient evidence I was told that there was not going to be another appeal chance and that I would have to deal with it directly with XXXX.
Consumer complaint received 2023-04-14
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. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I 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, who's studying XXXX XXXX, helped me out by 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 if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-10-17
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. (IN)

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX In accordance with the Fair Credit Reporting Act XXXX  with Account # XXXX has violated my rights.

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

15U.S.C 1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written Instructions.
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (CA)

Asked for assumption of the Loan paper, so the loan can be assumed or refinance. 
Asked for information of itemized charges of other on loan statement of charges. Since the Sale date asked for these packages and have not received information. 
asked for the original note as well., and detailed account of the loan.
Consumer complaint received 2023-10-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (CA)

We purchased our home in XXXX and we had XXXX loans, a first and a second with XXXX XXXX. In XXXX our mortgage was transferred to XXXX  XXXX XXXX as a result of a crash in the housing market. When we reached out to XXXX  of XXXX about the loans, they indicated that they were only aware of the first loan and that we no longer need to worry about the second as it had been charged off. Since the second mortgage was still showing up on my credit, I reached out to the debt collector ( XXXX ) that was listed in XXXX. In XXXX, I sent them a letter to remove the debt from my credit report and they responded in XX/XX/XXXX. 

XXXX - XX/XX/XXXX, responded that account closed XXXX XXXX and we are no longer liable for debt and no balance due. reported to all credit bureaus and the tradeline was deleted. 
XXXX - XX/XX/XXXX, received another letter stating that servicing of our loan is being transferred to SLS effective XX/XX/XXXX and they will be collecting payments and they will stop effective XX/XX/XXXX. 

So I reached out to Specialized Loan Services stating that this loan had been charged off and that no balance was due. On XX/XX/XXXX, I received a letter stating that they are new loan servicer.On XX/XX/XXXX, I received another letter stating amount of debt and outstanding fees owed. For the next few years SLS continued to send statements stating that we owe them even though nothing was on our credit and no title had been on file with the county stating them as a lien holder. 

In XXXX we refinanced our house with XXXX XXXX XXXX ( XXXX ). The loan officer asked ( via email ) if we had a second since something came up and I told him about the situation with XXXX and asked him if that needed to be paid off since they were trying to collect a debt that had been closed. The loan XXXX stated that title and escrow couldnt find anything and we were cleared to proceed with the refinance. 

In XX/XX/XXXX, we started receiving multiple phone calls about our house being in pre foreclosure and XXXX had filed a Notice of Default on behalf of SLS and that we needed to pay or they would foreclose on our house. I went back and forth with them and XXXX and the title company to see who was liable and how is this possible. We also were recently served by XXXX listing us and the second lien holder in their suit to stop the foreclosure process and stating that we did not disclose the second at the time of refinance which is not true. We have filed a claim with the Title company ( XXXX XXXX ) and they decided they were not at fault. We do not know what to do but we want to keep our house but the timeline is short to save it and we can not afford to pay this nor a lawyer.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I was out of town when my credit card arrived to my address. It had already been sent to the wrong address. When I returned home from a months long vacation I found the new credit cards statement and saw the XXXX and flight charges. I called XXXX, logged in my account and asked for details to the flights. Was unable to get refunded from the airlines. Flights were canceled and after disputing the charges Chase says I received benefit from those purchases and therefore responsible. I never bought or used flights. I filed a review for the claim, submitting proof that I was out of town and again was told that the charges were valid. No other explanations or proof I received benefit.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello, i try to fix the problem many time with the bank, about my online banking has been lock over a year. There is not reason to keep my online banking locked. 
i need to have access to my online banking but i cant go into the branch becouse i cant move, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

i just need my online banking unlocked please. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX XXXX, never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.
Consumer complaint received 2023-10-17
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX  Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00} ; XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.
Consumer complaint received 2023-10-17
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. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
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. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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. (NJ)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureau are required to remove any items that were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AutoNation Enterprises Incorporated (CA)

According to California repossession Law the lender has the right to sell your car at a public auction. They must give you a notice of intent that they are selling the car at least 15 days before the date of the sale. This notice must also be served within 60 days of repossession. Unfortunately GIC financial repossession car on XXXX XXXX and sale the car in action on XXXX XXXX with out any notice .absolutely is illegal as the California repossession Law they should wait for 60 days and give to customer notice 15 days before sale the car in action. 
This company responding few time just send the car information and how to sale the car absolutely doesnt work because GIC financial company doesnt follow the law
Consumer complaint received 2023-10-17
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'm a victim of identity theft. I recently learned that XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # # # XXXX is reporting my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA.
Consumer complaint received 2023-06-09
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: WELLS FARGO & COMPANY (NY)

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXX XXXX  INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score