davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (GA)

I have been working on my Equifax credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

THe incorrect names are XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX and there is XXXX XXXX XXXX that need to be deleted. 
The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-06-26
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. (SC)

I have disputed a number of hard inquiries on my credit report and have not have them removed even though XXXX has investigated this issue and found them incorrect. They have deleted them, but Equifax has failed to do so.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (TX)

The XXXX XXXX account # XXXX is reporting incorrectly to Equifax. Equifax claims to have verified the information in XXXX of XXXX. The account in question first reported delinquent in XXXX. The other XXXX bureaus ( XXXX and XXXX ) have since removed this account from my credit report due to the account being reported negatively for XXXX years. Each company removed the item in XXXX of XXXX or prior. I am requesting that Equifax remove this item immediately from their consumer report containing my information. EQUIFAX is in violation of the FCRA laws. According to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

I am requesting that they remove the negative account immediately from my consumer report furnished by them to match the other consumer reporting agencies which show the correct information. I don't understand how EQUIFAX can have access to the SAME information furnished by the original creditor but provide a different outcome that is completely against the law.
Consumer complaint received 2024-01-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (VA)

In XXXX of XXXX we were in a forbearance plan due to medical issues in XXXX XXXX We received a letter from XXXXXXXX XXXX stating our loan had been sold. I Had called Freedom Mortgage asking about transfer of loan. Our first teller XXXX stated that our loan was still active that our letter in question was a scam I was put on hold transferred to teller number XXXX stated that XXXX plan ended in XXXX of XXXX she stated that we were almost 3 months behind she took our original mortgage an past due payments insured me for 12 months payments would increase to XXXX and We would receive a packet in the mail with a modification to loan .We did not receive a packet for modification. On XX/XX/XXXX received three letters one stating sale of home at auction, next letter stated not enough time for modification .ALL dated for XX/XX/XXXX .In XXXX the XXXX we tried to make payment which online status did not let us login .ON XX/XX/XXXX with letters received i called Freedom Mortgage Company First was told of foreclosure .Then we were told yes we there was a note for loan modification placed on hold again to next teller stating she does not know what Happened and our loan was sold. 
.She stated that she could not see where our loan was. Credit Reporting for Freedom Mortgage since transfer from XXXX shows no payment in transfer in 2 years we were always current until medical issues .Payments in history with confirmation due not match to any of our records.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (SC)

I opened up an account with this company in XXXX  with my name address and social security number. I have charge offs and late fees from Barclays Bank Delaware. The dates the card was open was XX/XX/2019. I never received a bill or anything from this company. I had no idea I have a balance of {$490.00}. I have reached out to them XXXX times and I never heard anything back from them why I never got a bill or anything from the company since XXXX. I never got a email or bill from them saying the account was closed either. I want the charge off and late fees off of my account since I have no idea about this and not my fault
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

My name is XXXX XXXX. Last 4 of SSN : XXXX. Address XXXX XXXX XXXX, XXXX, TN XXXX. Equifax is not reporting information on my credit report. It is negatively affecting my ability to obtain credit. I sent them a letter as well as a copy of my State ID card and social security card. Equifax responded with a letter asking for a copy of my state ID card and social security card. This makes absolutely no sense. Why is Equifax asking for the exact information that I already sent. My ID card has an address of XXXX XXXX XXXX. Equifax claims this is a problem. THIS MAKES NO SENSE!!! There is ABSOLUTELY NO REASON for Equifax to not report information on my report. And I will no longer take " We're working on the issue '' as an excuse. This seems to be Equifax standard response and they've used it several times. If Equifax fails to report my information by XXXX XXXX XXXX I will be filing a lawsuit on XXXX XXXX XXXX in XXXX XXXX Court. This is the last time I'm going to deal with Equifax concerning this matter. Equifax has proven to me that they are not making a serious attempt to resolve this matter. Even after I provided Equifax with a copy of my ID and social security card they still sent me a letter with a MIDDLE NAME THAT DOES NOT BELONG TO ME!!!!!!!! Thank you
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to remove this record. If you can not remove this record, I request you remove this data from my account immediately. 

BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this deletion from my report 3 bureaus.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

Dear Consumer Financial Protection Bureau, I am urgently filing this complaint against XXXX and XXXX regarding the unauthorized sale of the XXXX XXXX XXXX account to Jefferson Capital Systems , LLC, and the subsequent inaccuracies and challenges Ive faced in disputing this unauthorized transaction. 

Unauthorized Sale of XXXX XXXX XXXX Account : I recently discovered that the XXXX XXXX XXXX account was sold to Jefferson Capital Systems , LLC without any proper notification. This unauthorized sale has significantly impacted my ability to address and dispute the accounts details accurately. 

Continuous Updating of Inaccurate Information : In addition to the unauthorized sale, there has been continuous updating of inaccurate information related to the XXXX XXXX XXXX account on my credit reports. Specifically : The reported last payment was inaccurately stated as XX/XX/XXXX, to XX/XX/XXXX, which is factually incorrect. 
The account status continues to be updated as a charge-off every month, which is inconsistent with the actual account status. 

Dispute Handling Challenges : Despite repeated attempts to dispute these inaccuracies through XXXX and XXXX dispute processes, I have faced significant challenges. The disputes have not resulted in the necessary corrections, and the inaccuracies persist, adversely impacting my credit profile. 

Fair Credit Reporting Act ( FCRA ) Violations : I assert that the unauthorized sale of the XXXX XXXX XXXX account and the continuous updating of false information constitute a violation of the Fair Credit Reporting Act ( FCRA ). These actions have created unnecessary hurdles in my attempts to address and dispute the inaccuracies. 

Immediate Deletion Request : I urgently request the immediate deletion of the inaccuracies related to the XXXX XXXX XXXX account from my credit reports by XXXX and XXXX. The unauthorized sale and continuous updating of false information are causing severe distress and adversely affecting my creditworthiness. Immediate deletion is imperative given the severity of the situation. 

Transparent Dispute Resolution : I urge the CFPB to ensure a transparent and effective dispute resolution process that guarantees accurate reporting and immediate corrections. 

Compliance with FCRA : I request the CFPB to investigate and ensure that XXXX and XXXX comply with the provisions outlined in the Fair Credit Reporting Act. 

The unauthorized sale of the XXXX XXXX XXXX account and the challenges in disputing this information are causing significant distress and negatively impacting my financial well-being. I seek a prompt and comprehensive resolution, including the immediate deletion of the inaccuracies. 

I appreciate the CFPBs urgent attention to this matter and anticipate a thorough investigation and resolution in accordance with regulatory requirements.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I requested that Medical Revenue Service validate my debt of {$3800.00} with XXXX XXXX XXXX. The date on their statement was XX/XX/2021. Medical Revenue Service provided a breakdown of my charges and the treatments I had done. My personal information has been compromised to a third party and my HIPPA laws have been violated. This is very disappointing and concerning. I need for Medical Revenue Service to remove this from my credit reports for all XXXX  credit bureaus. This is very damaging in more than XXXX way. If they refuse to delete, I will have to seek legal representation.
Consumer complaint received 2023-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

My escrow was analyzed XX/XX/2023 The Mortgage company has miscalculated my taxes. I pointed out the mistake and they ordered a new analysis. the second analysis has made the problem worse. I filed a complaint with in the company and now they say they are not allowed to speak with any more. The problem is still not corrected and they are saying I have to pay the higher amount or they will report a delinquency to my credit report. I have faxed several request to their office of the customer and gotten no response.
Consumer complaint received 2023-09-18
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)

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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (NY)

The cashier did a mistake sending wire transfer in foreign currency and when this was returned I'm loosing almost XXXX dollars in conversion from pesos to dollars. 
Plus I need the credit for the payment of the wire fee. 
It will take 90 days to get my money back because of their mistake
Consumer complaint received 2024-04-16
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. (PA)

After reviewing my TransUnion and XXXX credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Consumer complaint received 2023-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit report is showing late payments to CAPITAL ONE XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONEs customer service representative.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CONTRACT CALLERS INC (GA)

Contract Callers Inc. furnished information on my consumer report. I contacted them about the account and told them it was not my account and to stop reporting. They have sent me a form asking me for my personal information ( driver 's license/SSN ) to send back to them and also a Identity Thief report in an affidavit form within 30 days. I don't feel comfortable sending my personal information to this company. Please look into this issue as i have grave concerns.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC. (PR)

There is a company named Midland Credit Management that is calling my house number. 
I don't know why they are calling cause I am using the Do Not Call Registry. I don't have debts outstanding or in arrears with any company. 

I WILL KINDLY APPRECIATE YOU HELP ME TO TELL THIS COMPANY TO DELETE MY NUMBER FROM THEIR LIST. 

THEY HAVE A WEB PAGE, BUT CAN NOT BE ACCESSED UNLESS YOU HAVE AN ACCOUNT, WHICH I DON'T HAVE. 

THEY ARE CALLING 4 OR 5 TIMES DAILY. IT IS EXASPERATING. 

THANK YOU IN ADVANCE FOR YOUR COOPERATION.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CA)

I hope this letter finds you well. I am writing to address a concern regarding my credit report and request the immediate correction of inaccuracies related to late payments. Upon reviewing my credit report, I have observed discrepancies that I believe require your attention and correction. 

The late payments in question are associated with the following accounts : XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE I understand the importance of accurate credit reporting, and I am committed to maintaining a positive credit history. However, the late payments mentioned above are not reflective of my actual payment history with these creditors. I kindly request that you investigate and correct these inaccuracies promptly. 

To assist in your investigation, I am enclosing copies of relevant documents, such as bank statements or payment receipts, which substantiate that the payments were made on time. I believe that a thorough review of these documents will support my request for the removal of the late payment notations.
Consumer complaint received 2023-08-28
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX * HAS MY NAME INCORRECT * PREVIOUSLY ADDRESS IS INCORRECT * EMPLOYERS IS INCORRECT XXXX * HAS MY NAME INCORRECT * HAS MY DATE OF BIRTH INCORRECT * HAS MY CURRENT ADDRESS INCORRECT * DOESN'T HAVE MY EMPLOYER XXXX * HAS MY NAME INCORRECT * HAS MY PREVIOUSLY ADDRESS INCORRECT * DOESN'T HAVE MY EMPLOYER
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Ive ask many times the creditors to provide me with proof and documentation that my account that they report on my credit report is XXXX accurate, according to my knowledge its not even 80 % accurate, Ive ask them many time to proof me and send me documentation and they did never, according to the counsumer law in credit reporting, they need to remove this account from my report since they didnt provide me documentation and its not accurate, pls take this seriously and remove it from my report!!!!!!!!