davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX  and all XXXX major credit bureaus have been reporting negative and incorrect info to my credit report on XXXX, I sent XXXX XXXXXXXX XXXX a letter stating multiple concerns about my report. 
I informed them that they were reporting negative information that was not accurate. I asked the company to provide proof of any debt I owed them and that the information they reported was correct. I also requested XXXX XXXX XXXXXXXX XXXX  provide the method and source used to verify and ensure that the debt they reported was true and accurate. I stated in my letter that if they could not do so, I would like to opt out of all reporting to all credit bureaus and for them to delete the account from my consumer profile. I sent a letter via certified mail, which had a return card signed by the XXXXXXXX XXXX recipient on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX never responded to my letter that they received, therefore failing to validate the debt and provide proof that the information was accurate. XXXX XXXX 's willful negligence has had an extreme impact on my financial affairs. 

I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX  is a financial institution by definition under that title. 
. 15 USC 1681 section 604 a section 2 states, " 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, XXXXXXXX XXXX, and the Consumer reporting agencies Equifax and XXXX do not consent to furnish this information, and XXXXXXXX XXXX  XXXX does not have my written permission. 

Given XXXX XXXX 's failure to respond, I am formally requesting the CFPB to enforce my consumer rights and XXXX my privacy. As per the Fair Credit Reporting Act, XXXX XXXX is obligated to delete this account. I am also reiterating my request to opt out of all reporting by XXXX XXXX XXXXXXXX XXXX to all credit bureaus and to have the account removed from all three major credit bureaus, as they have not validated the debt or provided any proof of the information 's accuracy.
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: Experian Information Solutions Inc. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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, CT XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX , CT XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX XXXX 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 2024-01-03
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Comerica (FL)

In XXXX of 2023 I paid for a Dr appointment and then was remembered direct express refuse the initial refund and the refund was on hold I finally got intouch with direct express and they reversed the charge then on XX/XX/2023 direct express took XXXX $ off my card without any explanation of letter or phone call or email I've been trying to reach them but I can't get through I just want a explanation as to why they couldn't contact me thanks
Consumer complaint received 2024-04-25
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)

after reviewing my credit profile, I noticed several fraudulent items on my credit report per 15 U.S code 1681b -permissible purpose of consumer report I have listed all accounts on my FTC 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
Consumer complaint received 2023-12-19
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. (NY)

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 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 2023-12-19
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. (NY)

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 2023-12-19
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. (NY)

This is 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 2023-08-30
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
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. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According to FCRA 605B, we are required to remove any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I should receive {$1000.00} for each erroneous entry on my credit file.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (FL)

I applied for housing with XXXX XXXX. I applied the first time and was advised of credit with my partner and income. I applied a second time was denied. I asked for the report from Amrent and in the report is a criminal report for XXXX XXXX XXXX State of Georgia Case Number XXXX XXXX : XX/XX/1977. This person is not me and now Amrent states they got the information from Rapid Court could not provide where or who they are. They have a full copy of my Florida drivers license showing the information does not match. The alleged person they say I am is still on probation. I have requested all the documents for the above person, to prove that I am not that person to include mugshot and all information collected by the Georgia Department of Corrections. I have been denied housing due to there lack of reviewing information that was paid for.
Consumer complaint received 2023-07-07
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. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 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: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX/DEPT OF ED XXXX Balance : {$5200.00} XXXX/DEPT OF ED XXXX Balance : {$5600.00} XXXX/DEPT OF ED XXXX Balance : {$13000.00} XXXX/DEPT OF ED XXXX Balance : {$6500.00} XXXX/DEPT OF ED XXXX Balance : {$120.00} XXXX/DEPT OF ED XXXX Balance : {$6600.00} XXXX/DEPT OF ED XXXX Balance : {$7500.00} XXXX/DEPT OF ED XXXX Balance : {$6100.00} XXXX/DEPT OF ED XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$4800.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : XXXX  ) Balance : {$540.00}
Consumer complaint received 2024-04-26
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. (FL)

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 informationisinaccurate
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NV)

This is a follow-up complaint because my original complaint was not addressed. The response from SLS addressed all of the actions that were taken from XXXX XXXX XXXX forward. However, my complaint is for the start of the forbearance process which was XXXX XXXX XXXX The response doesn't mention anything about the options that were presented to me at the start of the program. 

My home mortgage lender, Specialized Loan Servicing ( SLS ), offered me a XXXX relief program. The program began in XXXX of XXXX. It was a XXXX forbearance program. One of the options offered was, at the end of the forbearance, to add the amount that was in arrears on to the payment, which I agreed to. However, at the end of the forbearance, they instead required that the entire amount that was in arrears to be paid all at once. They told me at the time that it was the only option available, which was not part of the original terms, otherwise I would have never entered into the program. The terms are in writing, and they were also explained through the SLS rep over the phone.

When my attorney 's office spoke to SLS recently, SLS told them that the reason I was not able to resume monthly payments is because I never opened the portal to start those payments. The rep I spoke with never advised me of a portal at that time. The reason they gave me was the option to resume payments was not available. That's two different reasons. Is it because the portal was never opened, or is it because the option was not available? All of the reviews of telephone calls from XXXX XXXX XXXX going forward that are included in the SLS response have nothing to do with my complaint. Specifically, I would like to know why the option to resume payments was suddenly no longer an option at the end of the forbearance?
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I called TransUnion today at ( XXXX ) XXXX XXXX, on Monday, XX/XX/2023, around XXXX XXXX Pacific Standard Time . The agent did not say anything, however, I could hear background noise. The agent was intentionally not speaking. I kept saying Hello? hello?, but there was no response. Then the phone disconnected. This is called call avoidance and is inappropriate.
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid my girlfriend {$600.00} in the month of XX/XX/XXXX for XX/XX/XXXX Rent through XXXX XXXX and then I was kicked out of the house without being able to live there so I paid {$600.00} and was not able to live there then I had to get a hotel to stay at. I am requesting my {$600.00} back and the bank has denied my request.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the accuracy of the late payments appearing on my credit report. I believe that the late payments are an inaccurate representation of my payment history. 
I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate any dispute of information on my credit report that I submit to you in writing. I am requesting that you remove the late payments, as I am asserting that the late payments are inaccurate according to section 1608 ( a ) of the FCRA. 
I am requesting that you immediately remove the late payments from my credit report. Update payment history to be paid as agreed and never late I need you to investigate the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request you provide me with proof of alleged late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX  XXXX XXXX. As well as for XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX if unable to provide or lacking proof of this payment being late. Update payment history to be paid as agreed and never late. Please provide a detailed description and procedure used in your process to determine complete accuracy. Once you have finished your investigation send me an updated credit report. To the address stated above I am writing to dispute the account referenced below. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agencies myself and have been unable to get them to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

The following accounts are to be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX