davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-22
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. (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 
2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information. 
4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. 
Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit score had been XXXX there was a collection that did not belong to me. Trans Union removed it now my credit score is XXXX apparently they still use this against my score since nothing else has changed
Consumer complaint received 2023-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received an alert on XXXX about a new hard inquiry today XX/XX/2023 for Capital One. I DID NOT apply for anything and I am a victim of fraud. I called XXXX and the representative created a report of this fraud.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (GA)

I receivd notification replacement card was sent XX/XX/23. As previous card was to expire XX/XX/23. Four calls were made plus today to inquire the location of replacement card and why it has not been received. These calls would go either ignored by " ordering '' additional cards OR by agent refusing to accept customer identifiable information to verify the validity of the account. Yet account has since been closed without my knowledge, AND initial card deposit amount of {$400.00} was applied to a " different card '' during the closing process. Citi bank is in the process of ruining my credit by this process. They are expecting me to pay for an account that I have no access to and unable to utilize. Please note, my card account was paid in full EVERY MONTH so there should NOT have any reason my new card was lost, not once, not twice, not three times. But a total of 4 requests since XXXX.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am writing to formally dispute the negative credit account listed on my credit report by your institution, which pertains to an alleged credit card debt opened in my name with XXXX XXXX Bank. The account in question has an account number of XXXX and a balance of {$10000.00}. This account was reported as opened on XX/XX/2022. 

I must stress that this account is fraudulent and is not associated with any legitimate financial transaction or contractual agreement entered into by me. As a victim of identity theft, I have taken all necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). 

The address associated with this account does not match my records, further indicating fraudulent activity. This discrepancy serves as additional evidence that I am not responsible for this debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of this debt and demand that it be removed from my credit report if it can not be substantiated as legitimate. Specifically, FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) require you to verify the accuracy of the debt and the ownership of the account. If you can not verify ownership of the account, it must be deleted from my credit report. 

I request that XXXX, XXXX XXXX Equifax provide me with detailed documentation verifying the validity of this debt and confirming my responsibility for it. If you are unable to provide such verification, I insist that you remove this fraudulent account from my credit report immediately. 

Failure to comply with this request within the timeframe specified by law will leave me with no choice but to take further legal action. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and contacting the Attorney General 's office to report your institution 's non-compliance with federal regulations. Additionally, I reserve the right to pursue civil remedies available to me under the FCRA. 

I expect a prompt response to this matter within [ insert timeframe as per your jurisdiction 's laws, typically 30 days ]. Please direct all correspondence regarding this issue to the address provided above. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Consumer complaint received 2023-09-24
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. (TX)

On our about XX/XX/XXXX, two collection accounts were reported to Experian. I found this out while applying for an installment account from one of my credit cards and being declined. While researching the reason for the declined credit installment request with all three credit reporting agencies, I discovered Experian has these two credit collection accounts on the credit report they have of me. 

These two collection accounts are not mine. 

I filed a dispute for each of the two collections account reported on my Experian credit report and only one was removed from my credit report. The second or other collection account remains on my credit report ; for which I filed a second dispute. 

Experian and /or the collections agency refuse to remove this second collections account from my credit report. They insist the account is mine. 

Note : the two collections accounts appear to be from the same Creditor and reported by two different Collection Agencies. Again, one disputed collections account was removed, while the other remains and I am unable to convince these agencies ( Experian and XXXX ) that the account is not mine. I am also not able to file another dispute with Experiam for this issue. 

Agencies invloved : - Experian - my member ID : XXXX. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... this collection account remains on my credit report after two disputes filed. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. this collection account has been removed from my credit report. 

I do not have this problem with the other two credit reporting agencies ( at this time ). 

I do not trust contacting the collections agency directly or the original creditor because I do not and have not had with them any business today, recently or in the past. Nonetheless, they insist on negatively affecting my credit report from Experian.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

ALLY XXXX XXXX  XXXX XXXX XXXX 
XXXX TEXAS XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX and XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Ally Auto Account # XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or experiences between the consumer and the person making the report ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX you reported transactions from Ally account # XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 

Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on my account Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 

Furthermore 15 USC 1666b ( a ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Best regards, XXXX XXXX
Consumer complaint received 2023-08-31
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

So I get credit card offers in my chase portal so called pre approved and was also receiving it in the mail and then I applied and got declined ... and still getting their offers in the mail they just put a hard inquiry on my credit report for nothing. 

While XXXX even without offering they told me before i could get approved without some benefits and was still able to decide on if to harm my credit for this one. 

ITS ABOUT TIME TO CHANGE THIS WAY OF CREDIT REPORT ATTACKS
Consumer complaint received 2023-11-08
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. (TX)

XX/XX/2023 I submitted a claim to CFPB concerning a request that I sent to all 3 bureaus on a dispute regarding information that is being reported. However, CFBP closed submission because one of the bureaus XXXX responded with a remark saying claim was verified. 

My concern how was this verified? I continue to ask for this information. So, now I'm asking for re-investigation. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : 1. Court House name 2. Name of person who verified Bankruptcy.

3. Court house address, telephone number 4. Documentation used to verify dispute
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report and found some information to be incorrect. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws in regard to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (CA)

This debt is a result of fraud. My identity was stolen and the man responsible was arrested. I had a fraud alert on my credit and I also have a FTC report as well. XXXX XXXX knew this was fraud and removed the account once I removed my fraud alert they put the account back on my credit. I recently filed a dispute with XXXX and I have been getting calls from an unknown number. Today XX/XX/23 I picked up and another company opened the call with XXXX XXXX the last 4 of your social and proceeded to call out my social without verifying it was the correct person. I repeated ask the name of the company and was told they couldnt share the name but they were calling on behalf of XXXX XXXX They hung up on me and I called back and finally got the name. They told me XXXX XXXX sold my debt to them in XXXX of this year because I refused to pay. I was confused because not only is the debt due to Fraud but I presently have XXXX XXXX and I know I dont owe anything. This company told me they dont care and if I didnt pay they will further damage my credit they didnt care that it was fraud
Consumer complaint received 2023-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-04-22
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. (TX)

I am writing to express my ongoing frustration with the presence of fraudulent items on my credit report despite my repeated attempts to have them removed. This marks the many time I have contacted you regarding this issue, and I am deeply concerned about the negative impact it is having on my financial standing. 

Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I sent out a dispute for billing error to CITIZENS BANK N.A., three times for a credit card ending in XXXX, which the company was in receipt of the dispute. I have a proof of mail and delivery. I questioned the account and its balance of XXXX XXXX  according to the fair credit billing resolution. CITIZENS have not wrote me back or proof on anything that I asked for. In additon, they violated the fair credit billing act by not sending me a response of receipt of the dispute in 30 days, they accelerated charges to the account with two interest payments, and they added a late fee to the account. CITIZENS wrote me stating that they are attempting to collect a debt while still in a billing error dispute. They also took adverse action against me and put a latement on my consumer report defaming my character. I lost XXXX points to my credit score. XXXX from the XXXX XXXX spoke with me and apologize about what I have experienced which I have that recorded. He informed me to send them all documents via email, to take a look at it, that man never even emailed me back just to let me know that he recived it. CITIZENS are not incompliance with what is right by law. They forfeited on collecting. I filed a notice of default/intent to arbitrate, if I dont hear back I am filing AAA according to our arbitration agreement in the next two weeks.
Consumer complaint received 2023-10-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAND HOME FINANCIAL SERVICES (GA)

I emailed requested loan modification documents several times. Land Home Financial Services does not respond. After several attempts emailing modification documents, they finally acknowledged receipt. 

However, they will not return phone calls or emails for modification update. Lender retained law firm mailed a payment demand pre-foreclosure letter. 

Also, I requested evidence original loan was properly transferred and owned by present mortgage company without response. I disagreed with total balance amount owed. Again, no-response. 

I made a similar complaint to CFPB months ago. CFPB closed complaint without the responses from lender. Leaving me with same problems.