davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccuracies in the reporting of my account. I have submitted disputes for the account in question, challenging the accuracy of the information reported. XXXX XXXX XXXX XXXX has responded, asserting that the information is verified and accurate. However, my XXXX  credit report shows significant discrepancies in the " Account Rating, '' " Date of XXXX  Activity, '' and " XXXX  Payment '' details, which have been verified as incorrect. 

Account Information : Account Number : [ Your Account Number ] Creditor : XXXX XXXX XXXX XXXX Discrepancies : Account Rating : XXXX XXXX XXXX XXXX has reported an Account Rating that differs from the verified information. The discrepancy in the rating negatively impacts my XXXX  XXXX  and misrepresents my XXXX. 

Date of XXXX  Activity : The reported " Date of XXXX  Activity '' on my XXXX credit report does not align with the accurate information that I have verified. This misinformation can have significant consequences on my XXXX  history. 

XXXX  Payment : The reported " XXXX  Payment '' information also differs from the verified details. This inaccuracy can impact how my XXXX  is perceived and affect future financial opportunities. 

I have taken the necessary steps to dispute these inaccuracies with XXXX XXXX XXXX XXXX, but their response suggests a failure to rectify the discrepancies. As a consumer, I believe it is my right to have accurate and truthful information reflected in my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and compel XXXX XXXX XXXX XXXX to correct the inaccuracies in my XXXX  report. I also request that XXXX  adverse effects on my XXXX  score resulting from these discrepancies be rectified promptly. 

Thank you for your attention to this matter. I appreciate the efforts of the Consumer Financial Protection Bureau in ensuring fair and accurate credit reporting practices.
Consumer complaint received 2023-07-03
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)

This is my 9th 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, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$17000.00}.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

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 2024-01-15
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX LOCAL GOVERNMENT FCU/P # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-15
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)

PERMISION WAS NEVER GIVEN I am writing to bring to your attention discrepancies in my credit report that I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681.

Upon reviewing my credit report, I have identified instances that appear to be in contravention of the following FCRA sections : 1. 15 U.S.C. 1681, Section 602 : This section emphasizes my right to privacy and ensures that the information reported accurately reflects my credit history.

2. 15 U.S.C. 1681, Section 604a, Section 2 : According to this section, a consumer reporting agency can not furnish an account without my explicit written instructions.

3. 15 U.S.C. 1666b : This section stipulates that a creditor may not treat a payment on a credit card account as late for any purpose.

Given the violations outlined above, I hereby request a thorough investigation into the inaccurate information reported in my credit file. I urge you to take immediate action to correct these discrepancies, as they adversely impact my credit standing and infringe upon my rights under the FCRA.

*** I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** The following accounts are in violation : and have no permission to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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. (GA)

My XXXX XXXX XXXX account is reporting delinquent, but I am current and have never been delinquent on this account with XXXX XXXX XXXX. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I wanted to see what was on my credit report. Today is XX/XX/year> and I didn't know I had a collections. I never owned XXXX. I never used them or will use them. I have a XXXX debt that I don't know anything about. It's hurting my credit
Consumer complaint received 2024-01-19
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)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-15
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. (PA)

My name Is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. 
Please see attachment below.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 6th request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXXBalance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$3800.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$960.00}, XXXX XX/XX/XXXX
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

Lakeview loan servicing company demanded information of my condo unit insurance policy in XX/XX/XXXX. My bank XXXX complied immediately and provided them the proof of my carrying condo unit level insurance for the period in question. Lakeview confirmed we satisfied their demand, yet they incorrectly purchased a condo master insurance policy in addition to my condo unit level insurance policy ( required homeowners insurance policy ) which I have carried for the life of the mortgage. My mortgage payment to include escrow was normally {$990.00} as of XX/XX/XXXX when I was only being charged a condo unit level insurance policy which I carry through XXXX. Due to whatever mistake Lakeview made despite my prompt compliance with their XX/XX/XXXX request, they added a condo master insurance policy to my account beginning XX/XX/XXXX which has raised my overall payment to {$1300.00} per month which they have charged me since XX/XX/XXXX to present. I've called them directly multiple times since XXXX XXXX upon which they said they need to perform a new escrow calculation or something akin to it. The fact of the matter is they have overcharged me by approximately {$400.00} per month for each of the past 5 months and have made no attempts to resolve their mistake. I called them directly again in XX/XX/XXXX and no progress was made in correcting their error. I also spent 30 minutes speaking with them earlier this morning ( XX/XX/XXXX ) upon which they said I needed to directly call their customer service line. Once the call ended I immediately called the number the rep gave me ( XXXX ) and it went directly to voicemail. As such I have no confidence that this company has any desire to reverse their obvious error or refund the money they continue to overcharge me.
Consumer complaint received 2024-01-15
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. (FL)

I requested XXXX XXXX  to provide me with the original documentation with my signature that shows I I had authorized a debt of {$16000.00}. I requested this documentation last month I specifically requested a documentation to be mailed to me. I spoke with the rep from XXXX XXXX today who told me that they did not have the original documentation. It has been well over 30 days since I requested this documentation. Since XXXX XXXX has been unable to validate and provide me with the original documentation with my signature as requested within a 30 day time frame I want this creditor to be deleted from my consumer report from all three agencies. Equifax XXXX and XXXX. 

I have disputed with the three consumer reporting agencies but yet they still show inaccurate unverified information and they do not have the original documentation from the creditor because they are unable to provide the original documentation. 

My credit reports say that the vehicle was repossessed and written off but I never received a 1099-C From the original creditor legally I am supposed to receive a copy of that documentation that shows that the debt has been canceled so is either they refuse to give it to me or be they are intentionally and knowingly committing illegal actions against me and I will not stand for it.
Consumer complaint received 2024-01-15
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. (NJ)

NOTICE OF ILLEGAL CREDIT INQUIRIES PERFORMED BY XXXXXXXX XXXX AND TRANS UNION ATTN : XXXXXXXX XXXX AND TRANS UNION XXXXXXXX XXXX performed two illegal credit inquiries on my credit file with Trans Union between XX/XX/2023 and XX/XX/2023. A copy of the most recent unauthorized inquiry is attached in the form of a letter XXXX sent admitting they illegally checked my credit. 
I never gave XXXXXXXX XXXX permission at any time whether oral, written or non verbal to check my credit at any moment without my knowledge or consent. Trans Union I did not give you permission to let XXXXXXXX XXXX  check my credit without my written knowledge or consent. 
In summary the Fair Credit Reporting Act lists only four permissible purposes for pulling a consumer 's credit report : a firm offer of credit, insurance, an application for employment or a court order. I have attached a copy of the Fair Credit Reporting Act for your convenience. There is nothing in the Fair Credit Reporting Act that gives permission for creditors to perform illegal credit checks under the guise of an " account review. '' Using the attached Fair Credit Reporting Act, I am requesting both XXXXXXXX XXXX and Trans Union state which section allows credit checks to be performed without written consent of the consumer. According to 15 USC 1681b ( 2 ) - 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 instructions of the consumer to whom it relates. I am requesting proof that the two illegal inquiries fell under the four permissible categories. I am further exercising my legal right to ask for verification. I am requesting the names and titles of the persons who pulled my credit, the dates they purport that I gave written permission ; and the method they purport that I gave permission. Please provide documentation of said permission. 
In addition Trans Union, I placed a temporary credit freeze on my Trans Union file as I am disputing various inaccuracies. The credit file should not have been released unless I lifted the freeze. These illegal credit inquiries show inaccurate accounts that Trans Union knows are inaccurate. These illegal inquiries resulted in adverse actions including the approximately 10 % reduction of the credit limit on an XXXX store card.
Consumer complaint received 2024-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

There was an unauthorized payment for {$170.00} from my bank account to capital one bank on XX/XX/2024 and XXXX XXXX. I called on XX/XX/XXXX. They kept saying there was no payment although it shows up on my Capital one account and my bank account. They refused to refund the amount and the supervisor was rude and useless.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX has been destroying my credit for the last couple of years. It is currently showing that I have a repossession for {$16000.00} but it is also showing that this debt has been written off and charged off. According to the IRS any debt over {$600.00} that has been written off and canceled the company must file a 1099-C and also provide me a copy of that 1099-C that says that the debt has been canceled and I no longer owe the debt. I have requested debt validation and a copy of the documentation of original documentation which I was never provided it has been well over 30 days but they still are reporting on my credit report I demand Equifax XXXX and XXXX to delete the {$16000.00} off my credit report for the failure of providing me the documentation that I requested I also requested debt validation and copy of the documents and they were never mailed to me they were never emailed to me I was never provided with the documentation I requested I demand this be deleted immediately by the three consumer bureaus Equifax XXXX XXXX and XXXX immediately or I will take legal actions. I will sue for damages and the distress that it is causing me and my family especially when I'm trying to buy a home for the family I will take legal action within 3 business days unless this has been deleted.
Consumer complaint received 2024-01-15
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-15
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: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX