davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX I had registered the my vehicle to Alabama at which I no longer lived at the address thats reporting with XXXX  XXXX XXXX XXXX For The XXXX XXXX XXXX XXXX my drivers license and registration attached to that vehicle at that time is XXXX XXXX XXXX XXXX XXXX, Alabama.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (PA)

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 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: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XX/XX/2023 Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten verbal and non-verbal permission 15 USC 6802.

Per the privacy act of 1974, as amended 5 USC 552a The privacy act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
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. (FL)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am big team of identity theft and I did not make the charge. I reported the theft of the federal of my identity to the federal trade comission and I also have enclosed copies of the federal tray, comission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2023-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

To provide context, I have verified that the debt in question is not mine, and I have no legal obligation to repay it. Despite my attempts to clarify this issue with your organization, it has come to my attention that you continue to pursue collection efforts. Furthermore, I have discovered that Cavalry Portfolio Services , LLC is not licensed to collect debt in the state of XXXX, where I currently reside. This raises serious legal concerns as you are engaging in prohibited activities.
Consumer complaint received 2023-09-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

The company that is on my credit report is called national credit systems. I have no knowledge of this account. I have no knowledge made of the collection of this account. I am not responsible for this account or e.g. belongs to express a business account. This is not my account it may belong to a relative or some person or persons with similar names. This is fraudulent.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CO)

I closed my account ( ending in XXXX ) on XX/XX/2023. I received a notification in the mail dated XX/XX/2023 that my account was overdrawn in the amount of {$12.00}. How is it that Chase has approved charges to an account that was closed a month prior.
Consumer complaint received 2023-05-16
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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
Consumer complaint received 2023-09-02
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (MO)

On or around the last two weeks of XXXX XXXX at NewRez initated my request for a Home improment loan on my Home The dollar value is {$280.00} no equity debt. XXXX, for some reason is not responding. Today is XX/XX/XXXX  the request was a kind of emergecy because it involved A/C & Furnace Qoutes with two contractors. The heat is immense but she willnot return my call. Now there are other lenders involved but I Didn't want outsider in the process.
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. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (PA)

I only became aware of this fraudulent activity when attempting to purchase a house. The false information on my credit report is not only defamatory to my character but is also impeding my ability to achieve a major life milestone. This situation is causing me undue stress and financial harm. 

According to the 15 U.S.C 1681 law, there should be no damages to my credit report resulting from identity theft, and I am seeking your assistance in ensuring that my credit history accurately reflects my financial responsibility.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC. (MA)

I am seeking your help to be reimbursed {$4200.00} from Santander Bank, N. A. for a charge to my mortgage escrow account on XX/XX/2022. Santander paid the {$4200.00} from my escrow account claiming that there was a lien on my property. I found no record of this with the XXXX XXXX Ma Registry of Deeds.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am writing to file a complaint related to my recent consumer credit transaction for personal family and household purposes with XXXX XXXX XXXX XXXX XXXX pertaining to Regulation Z, which implements the truth in lending Act ( TILA ). Chrysler Capitol denied me credit which in good faith I truly believe my religion was discriminated against which is also a violation of Regulation B Equal Credit Opportunity Act when denied an extension of my own credit for personal, family, and household purposes. Specifically, I am concerned about the accuracy of the decision. 

I was never given a copy of my credit application, I asked many of times to the dealership. They never gave me a copy of my credit application ; in fact, I have video of the sales associate saying that they normally just shredded the paper ( credit application ) so I shouldn't need a copy. I have everything documented through the whole transaction. Unfortunately, the videos are too large to upload onto the platform exceeding the limit of 10mb. But I can send the videos via text message if necessary. 

I am requesting that you reverse the denial to an approval so I can proceed to my life, liberty, and pursuit of happiness. Thank you for your attention to this matter, I look forward to hearing back from you soon. 


Dates : XXXX & XXXX XXXX  XXXX Price : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I am filing a compliant against Fair Collections & Oursourcing for a violation of the fair debt collection practices act. In response to a letter dated XXXX XXXX, alleging a debt and providing until XX/XX/XXXX for validation, I sent a letter by certified mail requesting validation on XX/XX/2023, within the specified timeframe. 

It has come to my attention that the Fair Collections & Outsourcing intentionally requested the USPS to hold my letter on XX/XX/XXXX, as stated on the USPS website, violating my right to a timely validation. This intentional delay constitutes a deceptive tactic, compromising my rights as a consumer and being a contradiction to the name of their company. Please See USPS Tracking # XXXX Attached is relevant documents, including the certified mail receipt and details of the correspondence. I request your assistance in holding Fair Collections & Outsourcing accountable for this Violation.
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
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. (MO)

I asked for validation from XXXX XXXX XXXX and methods of validation from Experian, XXXX, and XXXX. NO ONE PROVIDED ME ANY PROOF THIS IS MY DEBT. I submited a complaint with XXXX to have XXXX XXXX provide validation of debt. They refused. Then asked the bureaus for methods so I could see what the debt was for. This needs to be deleted from my credit report immediately.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Four hours ago I was notified that I was involved in the XXXX XXXX XXXX XXXXXXXX breach. I called XXXX XXXX and XXXX and placed security freezes and fraud alerts on my account. When I called Equifax their automated system was abysmal and didnt recognize any zeros. That and itself is a huge failing. When I finally spoke to a person they hung up on me. When I called back, the rep, in a loud call center wanted me to provide a copy of my drivers license. I thought that was a bit much, but he said he needed to verify me. I did not understand how did all of the other info not verify who I was!? Next he wanted to know loans I have paid in the past, and credit card companies and monthly payments. I provided that, and then was told XXXX would not work. When I asked why, he could not tell me and told me I could not be verified! I demanded to speak to the supervisor- XXXX XXXX was the supervisor. He refused to verify me and would only advise me to go online and sign into their website. The whole reason why I called the companies is because I think my computer is already compromised! I am so disgusted with this company and can not believe this is how they are treating consumers! My experience with the other two agencies were so completely different. Why!? I just gave all this info to a call center guy and did not get my account frozen. He could very easily steal my identity and I have no way of correcting it with equivalent because they refuse to validate who I am! By the way, I am XXXX and this XXXX  has caused XXXX XXXX that I might need to call XXXX for. Please look into why equivalent is doing this to American consumer trying to protect themselves!
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

There exists multiple documented late payments on my credit report that appear to be fraudulent and inaccurate. I would like for my credit report to be updated and correctly reflect no missed payments ever on this account. The error shows on all three of my credit bureau reports as XXXX XXXX.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (PA)

I recently discovered that I am the victim of identity theft. There are inquiries and addresses on my report that do not belong to me. Please remove these hard inquiries and addresses immediately. 
XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/23
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (FL)

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Dear Consumer Financial Protection Bureau, I am writing to urgently request your assistance in addressing a critical issue regarding inaccurate information on my credit report provided by XXXX, a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e and 1681i of Title 15 of the United States Code ( 15 U.S.C. 1681e, 1681i ). 

XXXX has furnished incorrect and misleading information regarding XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX, on my consumer credit report. This erroneous information is damaging to my creditworthiness and financial reputation, thus contravening my rights under the FCRA. 

As per the provisions outlined in the FCRA, credit reporting agencies are mandated to promptly remove inaccurate information from consumer credit reports upon notification of such inaccuracies. Therefore, I respectfully request that you intervene and instruct XXXX to remove the inaccurate information pertaining to Medical Collections from my credit report immediately, in accordance with the guidelines set forth in sections 1681e and 1681i of Title 15 of the United States Code. 

Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-04
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. (AZ)

This is not a duplicate nor is this complaint filed by a XXXX  party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The information being reported for the accounts are completely incorrect, so how could you have verified it? You claim to have verified this information within your investigation. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX-month period preceding the date the subsequent report is furnished. Please have these accounts DELETED or REMOVED from my file completely : XXXX XXXX, XXXX CARD XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/2018 Asset Amount : {XXXX
Consumer complaint received 2023-08-04
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
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. (IL)

Experian PLC is headquartered in XXXX, XXXX and operates in XXXX XXXX. Experian PLC is a for profit traded company under symbol EXPN in the business services industry, which generated XXXX XXXX dollars for fiscal yr. XXXX. 
Experian is regulated by the FCRA and in occurrence with the FCRA. Experian must comply with The Privacy Act of 1974, 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. 
I have not verbally or given any written agreement to Experian that allows them to report or provide any information on any report pertaining to a federally protected consumer. 
They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though Experian has not received any written instructions from a federally protected consumer. Experian has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
I have the right to make sure my private information isnt shared, which is backed by 15 U.S.C 6801. 
These are the accounts I want removed from this credit profile : 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 2024-01-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Autovest, L.L.C. (FL)

I am currently being sued by AutoVest LLC for an old Auto debt that has reached statues of limitation for sale of goods. I am also being sued in a state where I do not live, and did not sign for debt in. And they also are suing me without notifying me, or sending any documentation supporting their claim.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCK AND REMOVE I implore you to promptly address the unauthorized inquiries on my credit report, as they are causing me significant distress. I did not authorize or initiate these accounts, and it is unjust for me to be held responsible. Please take swift action to resolve this matter.
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. (SC)

I AM A LIVING PERSON PLEASE DON'T CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING. PER THE FCRA  AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION. I THE CONSUMER HAVE GIVEN WHETHER VERBAL, WRITTEN OR NON-VERBAL PER 15 USC 1602. I HAVE IDENTIFIED ACCOUNTS ON MY CREDIT THAT ARE RESULTS OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME. I HAVE READ THAT I HAVE RIGHTS TO HAVE MY INFORMATION BLOCKED AND REMOVED PURSUANT TO 15 USC 1681 c-2. PLEASE HONOR MY REQUEST AND REMOVE THESE ACCOUNTS IMMEDIATELY.