davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
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: Experian Information Solutions Inc. (IN)

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2023-12-07
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. (IN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TransUnion
Consumer complaint received 2024-05-11
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: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX  XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance {$6700.00} XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX Balance {$1800.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$2000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$15000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$6800.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$2000.00} XXXX XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-15
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. (LA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2023. 
Inquiry from XXXX XXXX XX/XX/2023 Inquiry from XXXX XXXX on XX/XX/2023. 

I didn't apply for anything but it's showing in my credit report and it shouldn't be there. This is a fraudulent acccount
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (TX)

Hello, my name is XXXX XXXX and I am a victim of ID Theft. The following accounts were fraudulently opened in my name and are still being verified : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX
Consumer complaint received 2024-05-01
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. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 Section 602 states I have the right to privacy.15USC 1681 Section 604a Section 2 also states the consumer reporting agency can not furnishan account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 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 2024-05-01
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 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.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have called repeatedly with no response!. The last time I asked for help I was told the DA is not equipped to handle fraud like this!. Misrepresenting my deposits!. I still have at least four paychecks that never got resolved!. 

It been years since Ive reported this and no one has called or reached out to talk about my statements I never got in four paychecks I still have not got that where deposited in Bank of America XXXX XXXX, Washington!. 

XXXX XXXX XXXX is my number!. 
I hope this can be resolved soon!. Getting sick of this fraud in the Washington state!.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

I noticed today that Equifax is reporting an incorrect address in my credit report. 

According to 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I took a loan with XXXX XXXX in XXXX to pay off debt and maybe obtain a vehicle, they have been ok for the most part except for recently when my credit report was falsified with payments that were NEVER LATE DUE TO THEM GIVING ME LEEWAY DUE TO MY FINANCIAL SITUATION DUE TO JOB LOSSES FROM XXXX XXXX XXXX LEAVING ME WITHOUT INCOME, EVICTED FROM MY HOME, NO CAR, I HAVE NO FAMILY OR FRIENDS AS THEY HAVE DISOWNED ME FOR PERSONAL REASON AND I HAVE BEEN DENIED/DISQUALIFIED FROM UNEMPLOYMENT BENEFITS. I SQUAT IN VACANT BUILDINGS, MOTELS/HOTELS ( WITH VOUCHERS ), SHELTERS, THE STREETS AND PUBLIC BATHROOMS. I HAVE LOST {$140000.00} IN WAGES DUE THIS SITUATION AND NOT BEING ABLE TO WORK DUE TO MENTAL HEALTH ISSUES. I AM ALSO REQUESTING RETROACTIVE PAYMENT IN LATE FEES AND LOAN FORGIVENESS.
Consumer complaint received 2023-10-26
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 submitted a letter to the 3 Credit Bureau to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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)

I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Consumer complaint received 2023-12-15
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: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

A XXXX XXXX credit card was opened in my name. Amount charged is {$420.00}. I contacted XXXX XXXX and they have since reported and closed the account but the missed payments have affected my credit score.
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Original mortgage was in XXXX for 30 years. Refinanced in XXXX for 4.5 % 15 years and according to that " Truth in Lending Disclosure Statement '' schedule as of mortgage payments # XXXX # XXXX my PMI was to be {$0.00} and that was suppose to happen somewhere around XXXX. I have been trying to get PMI removed and have requested several times ... in writing.. to have it removed. I think twice to Nationstar who is the current mortgage holder. It 's been transferred several times over the years. Horrible customer service at Nationstar. They have given me XXXX, if not more, different answers as to why they wo n't remove it. NONE of which i can find are valid reasons when i hold a legal document truth in lending statement that states it is to be {$0.00} and when! I have already sent all paperwork copies and request to them again by certified/return receipt and they signed, yet NO ONE has contacted me regarding this. It is free and clear money to them ; it is mine, and i want it refunded back from when it was to be {$0.00} XXXX XXXX ) and taken off future payments. They have copies of all they need including tax assessments.
Consumer complaint received 2023-12-16
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. (LA)

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 2023-12-15
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. (OH)

XXXX XXXX has violated multiple USC 's and CFRS 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-15
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: Experian Information Solutions Inc. (FL)

A personal review of my credit report showed/shows inaccurate information on multiple accounts, it also shows that companies have been re-statusing accounts and reporting past due balances on charged off accounts. 

Report # XXXX XXXX XXXX, XXXX  - amount {$430.00} XXXX XXXX  -amount {$440.00} XX/XX/XXXX  - amount {$15000.00} XX/XX/XXXX  - Amount {$19000.00} All accounts have be re-status repeatedly
Consumer complaint received 2023-05-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Equifax Information Services LLC, I am writing to bring to your attention the continued violation of the Fair Credit Reporting Act ( FCRA ) with regards to my consumer file. I have made several requests to have inaccurate, unverifiable, and invalidated information removed from my credit report, but to no avail. As a result, I am now pursuing litigation to seek relief and recover all monetary damages that I am entitled to under Section 616 and Section 617 of the FCRA. 

Please note that your agency is in direct violation of the FCRA, as unverified items listed on my credit report still remain, which is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that the information is mine and is correct. Despite my requests, you have not provided me with any original documentation or provided the method of verification as required under Section 611 ( a ) ( 7 ). 

Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' However, it appears that your agency is disregarding the FCRA and has failed to comply with the law. 

I demand that the following inaccurate, unverifiable, and invalidated items be deleted immediately from my credit report : The following personal information is incorrect : Date of birth : XXXX The following personal information is incorrect : Previous address : XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation for not reporting 100 % accurate information. It lists the bankruptcy court as the furnisher, which is misleading and forgery. The court does not report this type of account. 
XXXX  XXXXXXXX Bankruptcy Case Number : XXXX I did not consent to an unauthorized inquiry. 
XXXX Date of inquiry : XX/XX/XXXX I did not consent to an unauthorized inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Account involved in litigation with " an incorrect high balance, '' an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late pay, a charge off listed as open, and a collection account with a limit. Your improper practices have resulted in inaccurate information on my credit report. 
XXXX Account Number : XXXX I urge you to take immediate action to correct the above errors to avoid litigation. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission, and the items listed above will be used as evidence in pending litigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-15
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. (OH)

XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2- 433.3. Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2021-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Ive had my pay pal account for some years I rarely use it. But I got a Crypto and bought some eth.. and I left it on the account an I check from time to time.. I have the app and the only to bypass my code is to use a finger print because all of my codes are stored on my XXXX so I just use a finger print. Recently I go to check my account and realize my finger print no longer works. My account doesnt work at all my email address still holds my name but my password doesnt work.. so, I realize someone hacked my account.
Consumer complaint received 2023-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc. (WA)

I did not answer the phone call but the caller left a voicemail message on my phone from Online Info telling me they are a debt collector and I was to respond quickly to an outstanding debt I owed. I owe NO debt ( s )! I did not or will not respond to the request or answer the calling number. Online Info has become a nuisance with numerous calls daily. The number XXXX XXXX XXXX is identified on my phone as Scam.
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. (TX)

Please see the attached dispute letter that was sent XX/XX/2024 which is dated, and time stamped addressing 2 accounts that are reporting inaccurately. The accounts in question are XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). XXXX and XXXX are reporting different dates for the date last active for XXXX XXXX XXXXXXXX. They were notified of this in the letter attached. I contacted the creditor, and they stated that the account was not verified, and all information being reported should be consistent which it is not. XXXX XXXX XXXXXXXX which is being reported by Equifax and XXXX is not accurately reporting. There are different balances being reported with a discrepancy of {$1.00} and the date last active is also inconsistent. The original creditor informed me that there is no balance of this amount, so I am confused why this information is being furnished. Due to non-compliance and obvious FCRA violations I am requesting that the aforementioned account are removed from my credit report.