davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

I just want to know why the XXXX credit agencies are allowed to only raise a person 's score by XXXX points when always being on time and never missing a payment. But I started working with a credit card debt company and XXXX drops my score XXXX points. They are so quick to drop my score but no one can get a good credit score because they take forever to raise it and then only raise it XXXX point.
Consumer complaint received 2023-09-19
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. (LA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (CO)

Mosaic bank granted me a loan for purchase of windows and install through XXXX by XXXX back in XX/XX/XXXX. 

I had the payment set up by auto pay, payment number 2 ( dueXX/XX/XXXX) was processed on XX/XX/XXXXProblem that occurred was that Mosaic bank took XXXX payments of {XXXX}, my bank showing the same date for both charges. 

I in turn called Mosaic on that same date of charges taken to request refund of XXXX charge of {$XXXX}. The customer representative I spoke to told me that someone made a payment online and the other was through autopay. I then told him, that was not correct because I set up the account for autopay and I was out of town on XX/XX/XXXX. He offered me XXXX options : 1. Apply credit to XX/XX/XXXX balance due on XX/XX/XXXX XXXX. To refund money back to my account. 
I told him " No '' I need that money back in my account ASAP to pay another loan I had scheduled for the month of XXXX. He then told me " I will have the correct department refund your money back to you. Since the XXXX of XXXX, I have been looking for that refund - NOTHING YET! I called XXXX XX/XX/XXXX, AGAIN they tell me the same thing about a payment being made online by someone on the XXXX of XXXX. I told them that information was incorrect and to return my {$XXXX} right away! I requested to speak to a manager - I had to wait for a manager to contact me on my mobile. I received the call, explained the situation- she told me I had to wait 15 days for Mosaic to return my money. I went on to tell her that they were thieves for doing what they did, and also for lying! They literally put words in my mouth in regard to the payment made online. For their ERROR, I have to wait 15 days to see my money returned to the bank. Is their a repercussion for this bank doing this? What can be done?
Consumer complaint received 2019-03-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et.  seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Consumer complaint received 2024-03-19
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. (OH)

On XX/XX/XXXX, I spoke with Experian Fraud Department and disputed personal information, inquiries and XXXX  accounts reported inaccurately or should not be reported at all. I provided a copy of my social security card, drivers license, and FTC Report by uploading it online through Experian. The inquiries were deleted immediately. My name was corrected due to my name was reporting incorrectly. The representative did receive the my documents submitted online on XX/XX/XXXX, which is why he was able to continue with the dispute submitted. 

XX/XX/XXXX, I received an email of dispute being completed and ready to review. They sent me a report number to review the status of the XXXX accounts that were disputed and they were all deleted. 

XX/XX/XXXX, I received another email stating that they reinserted the accounts for no reason. They stated that it was never deleted and its pending. I explained that it was deleted and I have the email and credit report to prove it and requested them to delete them. They refused. I asked to be transferred to the Experian Fraud department and was transferred to XXXX in the fraud department. She stated that she didnt see the report show any deletion and Ill have to wait XXXX  days. I gave her the report number showing where it was deleted and she changed the status to pending status. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. Experian willingly and intentionally reinserted these accounts and could not give me a valid reason. I was told they had system issue and lied and said that I provided more information after it was deleted, which was untrue.
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Hello, I had a loan with XXXX XXXX XXXX that was sold to a company called XXXX. I've been using autopay and have made at least XXXX installments to them as I did with XXXX XXXX. I noticed today that my old XXXX XXXX loan was still on my line of credit and this XXXX loan is not there. There's no reflection on my credit report that I've been making payments and now I'm wondering if this company is even allowed to demand money from me? I would like to pay everything off but I feel like are not reputable and do not want to send my money somewhere wrong.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX, XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/2024 Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report. 
According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities. 
I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and data furnishers must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, USDOE/XXXX # XXXX, XXXX, Account # XXXX XXXX 
I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX, XXXX [ Attachments : Copies of credit report highlighting inaccuracies ]
Consumer complaint received 2023-10-16
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovate Managed Holdings, LLC (UT)

XXXX XXXX XXXX is reporting rolling multiple lates on my account. I have not received any statements or any phone calls from Innovate to inform me of any lates. I thought my payments were being made on time.
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

According to FCRA 605B, we have to get rid of the wrong stuff on my credit report. Can you check the papers to see if there are any mistakes? Some of the accounts listed are giving the wrong information about amounts and dates.
Consumer complaint received 2023-03-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caliber Home Loans, Inc. (TX)

Mortgage statement was send to a rental property Mortgage statement was never sent to my home address I did figure out myself that something was wrong then call the bank and figure out that the mortgage was sold then contact the new company ( the one that bought my mortgage ) I did pay in one time by phone the 2 month that were behind and update the address They reported in my credit knowing that was not my fault
Consumer complaint received 2024-03-19
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, '' 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. '' XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer.

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. '' A financial institution by definition under that title.15 USC 1681 section 604 a section 2 states that " 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. '' The financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is now revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless t
he consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. 

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consum
er reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-12-09
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. (FL)

Wrong information reported on my credit accounts accounts have been on there too long over seven years almost 10 years I tried to dispute it. Theyre letting them refresh my charge offs and making matters much worse. They have turned one of my charge jobs until revolving account and collections when its the charge off.
Consumer complaint received 2023-12-19
Product: Credit reporting 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. (GA)

My entire Equifax credit report has been wiped completely out! My entire credit history is completely gone! I first noticed the problem back in XX/XX/XXXX and filed a complaint in XXXX but the issue was not resolved. When I apply for credit it comes back showing that I have no credit history with Equifax my oldest account dates back to XXXX but my credit history is much longer than that. Please investigate and have my credit history restored.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX Account Type Debt Buyer I have not entered any contractual agreement with this company and have no obligation to pay XXXX XXXX XXXX. The company is a debt buyer. I would like this to be removed from my credit report and do wish to receive threatening phone calls from this company on a daily basis. I believe I am a victim on harassment this should be illegal.
Consumer complaint received 2024-03-19
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. (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.

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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-19
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. (CA)

I looked at my Credit Report Recently and noticed several inaccuracies on my account. This Account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 

Name : XXXX XXXX Account number : XXXX
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding at XXXX RESURGENT CAPITAL SERVICES PO BOX XXXX XXXX, SCXXXX ( XXXX ) XXXX. 

Two Accounts : XXXX {$1400.00}, XXXX {$860.00}. 

I've never done business with these people, and I've never received anything to verify it was actually me that opened these accounts. 
Ive never authorized opening these accounts. 
Ive asked multiple times for a copy of any contract with my signature. This company does not have a contract with my signature.